Mortgage Assistance Program (MAP) (Orange County, CA)

County of Orange Housing & Community Development · Orange County, California

Deferred loan Offered

At a glance: Up to $120,000 (80% AMI) or $80,000 (120% AMI), deferred loan (no payments until you sell, refinance or pay off). First-time buyer: Required. Checked against the official page on Nov 3, 2026.

Program details
Assistance type	Deferred loan — No payments until you sell, refinance or pay off
Amount	Up to $120,000 (80% AMI) or $80,000 (120% AMI)
Income limit	$148,850 (80% AMI) or $166,300 (120% AMI) for a household of 4
Purchase price limit	Up to 85% of the Orange County median sales price
First-time buyer rule	Required
Status	Offered
Status note	Not verified on the official page — check the source
Details	3% simple interest, deferred-payment loan with a 30-year term; 1% minimum down payment. Covers unincorporated Orange County and participating cities including Brea, Cypress, Dana Point, Placentia, Seal Beach and Yorba Linda.
Official source	https://housing.oc.gov/housing-development/homeowner-programs (opens in new tab)
Last checked	Nov 3, 2026 (automated fetch)

Go to the official program page ↗ Report a correction

Other California programs

Low Income Purchase Assistance (LIPA) — Up to $161,000
Downpayment Assistance Loan Program (DALP) — Up to $500,000
First-Time Homebuyer Programs — amount not verified
First-Time Home Buyer Program — Up to 20% of the sales price
MyHome Assistance Program — Up to the lesser of 3.5% (FHA) or 3% (conventional) of the purchase price or appraised value
California Dream For All Shared Appreciation Loan — Up to 20% of the purchase price, not to exceed $150,000

← All California programs · Check eligibility · Compare with other programs

Common questions

How much is Mortgage Assistance Program (MAP)?

Up to $120,000 (80% AMI) or $80,000 (120% AMI) (per the official page, checked Nov 3, 2026).

Is Mortgage Assistance Program (MAP) a grant or a loan?

Deferred loan: no payments until you sell, refinance or pay off.

Do I have to be a first-time homebuyer for Mortgage Assistance Program (MAP)?

Required.

What is the income limit for Mortgage Assistance Program (MAP)?

$148,850 (80% AMI) or $166,300 (120% AMI) for a household of 4.

How does Mortgage Assistance Program (MAP) work?

3% simple interest, deferred-payment loan with a 30-year term; 1% minimum down payment. Covers unincorporated Orange County and participating cities including Brea, Cypress, Dana Point, Placentia, Seal Beach and Yorba Linda.

Is Mortgage Assistance Program (MAP) still available in 2026?

The official page listed it as offered when we last checked on Nov 3, 2026. Funding can change, so confirm with the administrator.

Who runs Mortgage Assistance Program (MAP)?

County of Orange Housing & Community Development, Orange County, California. Apply through the program or one of its participating lenders.