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Homebuyer
The County’s Mortgage Assistance Program (MAP) provides silent (deferred payment) downpayment assistance loans to assist low-income first-time homebuyers (FTHB). The loans are designed to help with the down payment to purchase a home.
- Eligible FTHB’s annual income must not exceed 80% of the Area Median Income (AMI).
- The 3% simple interest, deferred payment loan has a 30-year term and a maximum loan amount of $80,000.
- Homebuyers must occupy the property as their primary residence.
- There is a 1% minimum down payment requirement for this program, and the total sales prices shall not exceed 85% of the Orange County median sales price for all homes.
- All applicants are required to attend a homebuyer education workshop.
Income Limits
| Household Size | Income (80% AMI*) |
| 1 | $104,200 |
| 2 | $119,100 |
| 3 | $134,000 |
| 4 | $148,850 |
| 5 | $160,800 |
| 6 | $172,700 |
| 7 | $184,600 |
| 8 | $196,500 |
*State HCD Income Limits as of June 2026
Eligible Areas
- Brea
- Cypress
- Dana Point
- Fullerton
- La Palma
- Laguna Beach
- Laguna Hills
- Laguna Woods
- Los Alamitos
- Placentia
- San Juan Capistrano
- Seal Beach
- Stanton
- Villa Park
- Yorba Linda
- County of Orange Unincorporated Areas
- Map of unincorporated areas: OC Land Insights
Eligible Units
- Single-family properties
- Condominiums
- Planned unit developments (PUDs)
Program Information
If you are interested in the obtaining more information, please contact our program administrator, Sherluna Vien at sherluna.vien@occr.ocgov.com or 714-480-2936.
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