VCCDC Down Payment Assistance - Ventura County
Forgivable loan · Forgiven over 10 yrs · Income limits
Down payment assistance · Ventura County
Buying a home in El Rio, CA
5 county programs and 54 statewide.El Rio has no program of its own, 5 across Ventura County, and 54 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to El Rio
No program of El Rio’s own yet
No program run for El Rio alone is listed. A home in El Rio can use Ventura County’s programs below, plus the California statewide and federal ones.
The closest city that runs its own program is Oxnard, about 3 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in VenturaAnywhere in Ventura County
5 county programs5 county programs a El Rio homebuyer can use
6 more programs are for homes in Simi Valley, Camarillo, Oxnard and Thousand Oaks. See them 6 programs in neighboring cities — for homes inside those cities, not El Rio
- Simi Valley — City of Simi Valley Affordable Homeownership Program
- Camarillo — VCCDC DPA - City of Camarillo
- Oxnard — City of Oxnard Down Payment Assistance Program (PLHA)
- Oxnard — City of Oxnard First-Time Homebuyer Program (Separate from VCCDC)
- Oxnard — City of Oxnard Homebuyer Assistance Program
- Thousand Oaks — City of Thousand Oaks First-Time Homebuyer Assistance
The El Rio marketThe El Rio housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in El Rio
- 89.6% single-familysingle-family
- 2.6% townhousetownhouse
- 2.4% 2–4 units2–4 units
- 2.8% 5+ unitscondo & apartment buildings (5+ units)
- 2.5% mobile & othermobile home & other
Condos count. 4 of El Rio’s 5 local and county programs accept condos. 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 El Rio’s homes were built
pre-19401970s2020+
89.4%
of El Rio 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
County area median income, 4 people (HUD)HUD area median income, Ventura County, 4-person household (2026)
$72,598
El Rio median household incomeMedian household income in El Rio (Census, 2024)
55 of the 121 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 nearbyFree help near El Rio
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.4 of the 5 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.
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Across California and nationwide
116 statewide & federal programs54 statewide programs, plus federal options
El Rio questions
Does El Rio have its own down payment program?
No program run for El Rio alone is listed. A home in El Rio can use the 5 programs that cover Ventura County and the 54 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in El Rio?
4 of El Rio’s 5 local and county programs accept condos. Habitat for Humanity Ventura County lists habitat-built single-family home. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Ventura County?
Each program sets its own. 55 of the programs here set theirs as a share of HUD’s area median income for Ventura County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near El Rio?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of El Rio. Create a free account and take the 90-second match to see the ones near you.
Nearby in Ventura
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.