Homeownership Assistance

We believe communities prosper when people can own a home in places that matter to them.

When greater Bay Area workers cannot secure homeownership, we all lose out on diversity, a skilled and dynamic workforce, and a strong community.

Down Payment Assistance Programs

Empower Homebuyers SCC

Helps qualifying first-time homebuyers come up with a 20% down payment by allowing them to borrow up to 17% of your home’s total purchase price.

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Homebuyer Empowerment Loan Program (HELP)

Assists first-time homebuyers with incomes slightly higher than Empower Homebuyers and other down payment assistance programs by allowing them to borrow up to 10% of a home’s purchase price.

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Other Homebuyer Assistance Programs

City of Santa Clara Below Market Purchase (BMP) program 

Offers first-time homebuyers the opportunity to purchase a city-designated home at a below-market rate price within the City of Santa Clara.

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Not Sure where to Start?

  1. Learn about our programs

    Review our program pages to find the right fit for your next steps to becoming a homeowner.

    Empower Homebuyers SCC

    Homebuyer Empowerment Loan Program (HELP)

    City of Santa Clara Below Market Purchase (BMP) Program

  2. Attend a Class

    All borrowers (including non-borrowing spouses) must attend a HUD-certified Homebuyer Education through an in-person or online class from a designated agency:

     

    Project Sentinel