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

At this time, Housing Trust Silicon Valley will not be taking in-person meetings. 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 over 20% down payment by allowing them to borrow up to 30% of the 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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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)


  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:


    Check out the List of Approved Homebuyer Education Providers