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Orange County Down Payment Assistance Programs

1 local down payment assistance program for homebuyers in Orange County, checked against the official page.

Orange County down payment assistance at a glance (2026)

ProgramAmountTypeFirst-time buyerIncome limitPrice limitStatus
Mortgage Assistance Program (MAP)Up to $120,000 (80% AMI) or $80,000 (120% AMI)Deferred loanRequired$148,850 (80% AMI) or $166,300 (120% AMI) for a household of 4Up to 85% of the Orange County median sales priceOffered

Income and price limits often vary by household size. Look up your county's area median income and HUD income limits.

Local programs

Mortgage Assistance Program (MAP)

Deferred loan

County of Orange Housing & Community Development

Amount
Up to $120,000 (80% AMI) or $80,000 (120% AMI)
First-time buyer
Required
Status
Offered
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

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.

Last checked Nov 3, 2026 · Official source (opens in new tab) ↗

Other local programs in California

Statewide help in California

You may also qualify for 2 statewide California programs. Local and state assistance can sometimes be layered; confirm with each administrator.

Check eligibility for California How to apply

Compare these programs · AMI / income limits · All California programs

HUD-approved homebuyer counselors in California (74)

Many down payment programs require a homebuyer class or counseling session. These agencies are approved by HUD and offer pre-purchase counseling or homebuyer education, usually free or low cost. From HUD's housing counselor list ↗, retrieved Nov 4, 2026.

Common questions

Does Orange County offer down payment assistance?

Yes. We list 1 local program checked against official pages: Mortgage Assistance Program (MAP) from County of Orange Housing & Community Development (Up to $120,000 (80% AMI) or $80,000 (120% AMI)).

Do I have to be a first-time homebuyer for Orange County assistance?

The official pages state: Mortgage Assistance Program (MAP): Required.

What are the income limits for Orange County down payment assistance?

Published on the official pages: Mortgage Assistance Program (MAP): $148,850 (80% AMI) or $166,300 (120% AMI) for a household of 4. Confirm current limits with the administrator.

What are the purchase price limits for Orange County assistance?

Published on the official pages: Mortgage Assistance Program (MAP): Up to 85% of the Orange County median sales price.

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.

Can I combine Orange County assistance with statewide California programs?

Sometimes. California also has 2 statewide programs listed here; whether they can be layered with local help depends on each program's rules, so ask both administrators.

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