VCCDC Down Payment Assistance - Ventura County
Forgivable loan · Forgiven over 10 yrs · Income limit 120% of AMI
Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
See details Jul 2026
Down payment assistance · California
Buying a home in Ventura County, CA
5 county-wide programs, 4 cities with their own, plus 43 statewide and 62 nationwide.Ventura has 5 programs that cover the whole county and 4 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 VenturaAnywhere in Ventura County
5 programs for every Ventura address5 programs that cover every Ventura address
These are run for the whole county, so a home in Oxnard, Thousand Oaks or Simi Valley can use them.
Ventura 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
City of Oxnard Homebuyer Program (County Expansion)
Deferred second loan · New construction · Income limit 80% of AMI
Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
See details Jul 2026
GSFA Platinum Grant - Ventura 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 Ventura County
Assistance grant · New construction · Income limit 60% of AMI
Habitat-built single-family home
See details Jul 2026
AMI is HUD’s area median income for Ventura, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
4 cities with their own program4 Ventura 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.
CamarilloCity page VCCDC DPA - City of CamarilloOxnardCity page City of Oxnard Down Payment Assistance Program (PLHA)City of Oxnard First-Time Homebuyer Program (Separate from VCCDC)City of Oxnard Homebuyer Assistance ProgramSimi ValleyCity page City of Simi Valley Affordable Homeownership ProgramThousand OaksCity page City of Thousand Oaks First-Time Homebuyer Assistance
The Ventura marketThe Ventura housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Ventura
- 62.7% single-familysingle-family
- 11.1% townhousetownhouse
- 6% 2–4 units2–4 units
- 16% 5+ unitscondo & apartment buildings (5+ units)
- 4.2% mobile & othermobile home & other
Condos count. 4 of the 5 county-wide programs and all 6 city programs list condos as eligible. Habitat for Humanity Ventura County lists habitat-built single-family home.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Ventura’s homes were built
pre-19401970s2020+
55.4%
of Ventura 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.
$135,600
HUD area median income, 4 people (FY2026)HUD area median income, Ventura County, 4-person household (FY2026)
$109,797
Median household income (ACS 2024 5-year)Median household income in Ventura (Census ACS 2024 5-year)
64.6%
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. 52 of the 116 programs here set their income limit as a share of Ventura County’s area median income, adjusted for household size. See the published limits for Ventura County
Free help in VenturaFree help in Ventura
4 HUD-approved counseling agencies with an office in the county4 HUD-approved housing counseling agencies with an office in Ventura County
10 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.10 of the 11 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 Ventura County.
17 cities and placesA to Z
All cities in Ventura CountyAll 17 cities and places in Ventura County
has a program of its own
Ventura questions
Can I use a county program anywhere in Ventura?
The 5 county-wide programs cover homes anywhere in the county. City programs, like Camarillo’s and Oxnard’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 Ventura 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 Ventura programs accept condos?
4 of the 5 county-wide programs and all 6 city programs list condos as eligible. Habitat for Humanity Ventura County lists habitat-built single-family home. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Ventura?
HUD-approved housing counseling agencies teach homebuyer classes, and 4 agencies have an office in Ventura 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.