Orange County Mortgage Assistance Program (MAP)
Deferred second loan · New construction · Income limit 80% of AMI
Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
See details Jun 2026
Down payment assistance · California
Buying a home in Orange County, CA
5 county-wide programs, 7 cities with their own, plus 43 statewide and 62 nationwide.Orange has 5 programs that cover the whole county and 7 cities with a program of their own. On top of those, 43 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in OrangeAnywhere in Orange County
5 programs for every Orange address5 programs that cover every Orange address
These are run for the whole county, so a home in Anaheim, Santa Ana or Irvine can use them.
Orange County Mortgage Credit Certificate Program
Mortgage credit certificate · New construction · Income limit 115% of AMI
Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
See details Jul 2026
GSFA Platinum Grant - Orange County Specific
Assistance grant · New construction · Income limit 160% of AMI
Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
See details Jun 2026
Habitat for Humanity of Orange County - Homeownership Program
Assistance grant · New construction · Income limit 80% of AMI
Habitat-built single-family home
See details Jul 2026
NeighborWorks Orange County - Down Payment Assistance
Deferred second loan · New construction · Income limit 80% of AMI
Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
See details Jul 2026
AMI is HUD’s area median income for Orange, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
7 cities with their own program7 Orange cities with their own program
For a home inside that city, on top of the county-wide 5.A city program is for a home inside that city. Buying there? It sits on top of the 5 county-wide programs above.
AnaheimCity page City of Anaheim First-Time Homebuyer ProgramBuena ParkCity page City of Buena Park First-Time Homebuyer AssistanceGarden GroveCity page City of Garden Grove First-Time Homebuyer ProgramHuntington BeachCity page City of Huntington Beach First-Time Homebuyer ProgramIrvineCity page Irvine Community Land Trust - Affordable HomeownershipLa HabraCity page La Habra Homebuyer Assistance Program - Orange CountySanta AnaCity page City of Santa Ana My First Home Program
The Orange marketThe Orange housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Orange
- 49.4% single-familysingle-family
- 13% townhousetownhouse
- 8.8% 2–4 units2–4 units
- 26.1% 5+ unitscondo & apartment buildings (5+ units)
- 2.7% mobile & othermobile home & other
Condos count. 4 of the 5 county-wide programs and all 7 city programs list condos as eligible. Habitat for Humanity of Orange County - Homeownership Program lists habitat-built single-family home.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Orange’s homes were built
pre-19401970s2020+
56.8%
of Orange homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$138,600
HUD area median income, 4 people (FY2026)HUD area median income, Orange County, 4-person household (FY2026)
$116,289
Median household income (ACS 2024 5-year)Median household income in Orange (Census ACS 2024 5-year)
56.4%
of occupied homes are owner-occupied (California: 55.9%)
The two income figures measure different things. HUD’s area median income is the one programs use. 53 of the 117 programs here set their income limit as a share of Orange County’s area median income, adjusted for household size. See the published limits for Orange County
Free help in OrangeFree help in Orange
8 HUD-approved counseling agencies with an office in the county8 HUD-approved housing counseling agencies with an office in Orange County
11 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.11 of the 12 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Orange County.
39 cities and placesA to Z
All cities in Orange CountyAll 39 cities and places in Orange County
has a program of its own
- Aliso Viejo
- Anaheim
- Brea
- Buena Park
- Costa Mesa
- Coto De Caza
- Cypress
- Dana Point
- Fountain Valley
- Fullerton
- Garden Grove
- Huntington Beach
- Irvine
- La Habra
- La Palma
- Ladera Ranch
- Laguna Beach
- Laguna Hills
- Laguna Niguel
- Laguna Woods
- Lake Forest
- Las Flores
- Los Alamitos
- Mission Viejo
- Newport Beach
- North Tustin
- Orange
- Placentia
- Rancho Santa Margarita
- Rossmoor
- San Clemente
- San Juan Capistrano
- Santa Ana
- Seal Beach
- Stanton
- Trabuco Canyon
- Tustin
- Westminster
- Yorba Linda
Orange questions
Can I use a county program anywhere in Orange?
The 5 county-wide programs cover homes anywhere in the county. City programs, like Anaheim’s and Buena Park’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Orange County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Orange programs accept condos?
4 of the 5 county-wide programs and all 7 city programs list condos as eligible. Habitat for Humanity of Orange County - Homeownership Program lists habitat-built single-family home. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Orange?
HUD-approved housing counseling agencies teach homebuyer classes, and 8 agencies have an office in Orange County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.