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.

Notifications to Clients About No In-Person Meetings

Out of an abundance of caution, Housing Trust Silicon Valley will not be taking in-person meetings at this time. Following guidance by the County of Santa Clara Public Health Department, we are doing our part to help slow the spread of COVID-19 by minimizing close contact with people. We will be available to communicate with you via phone and email… read more here

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.

Learn More

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.

Learn More

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.

Learn More

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