GSFA Platinum Grant - Santa Clara County Specific
Assistance grant · New construction · Income limits
Down payment assistance · Santa Clara County
Buying a home in Gilroy, CA
2 county programs and 54 statewide.Gilroy has no program of its own, 2 across Santa Clara 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 Gilroy
No program of Gilroy’s own yet
No program run for Gilroy alone is listed. A home in Gilroy can use Santa Clara County’s programs below, plus the California statewide and federal ones.
The closest city that runs its own program is Watsonville, about 12 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in Santa ClaraAnywhere in Santa Clara County
2 county programs2 county programs a Gilroy homebuyer can use
8 more programs are for homes in Cupertino, Milpitas, Mountain View, Palo Alto, Santa Clara, Sunnyvale and San Jose. See them 8 programs in neighboring cities — for homes inside those cities, not Gilroy
- Cupertino — City of Cupertino Below Market Rate Homeownership Program
- Milpitas — City of Milpitas Below Market Rate Homebuyer Program
- Mountain View — City of Mountain View First-Time Homebuyer Program
- Palo Alto — City of Palo Alto Below Market Rate Homeownership Program
- Santa Clara — City of Santa Clara First-Time Homebuyer Program
- Sunnyvale — City of Sunnyvale First-Time Homebuyer Program
- San Jose — Destination Home
- Palo Alto — Stanford University Faculty Staff Housing Assistance
The Gilroy marketThe Gilroy housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Gilroy
- 69.3% single-familysingle-family
- 7.2% townhousetownhouse
- 6.6% 2–4 units2–4 units
- 14.9% 5+ unitscondo & apartment buildings (5+ units)
- 2% mobile & othermobile home & other
Condos count. All 2 of Gilroy’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Gilroy’s homes were built
pre-19401970s2020+
35.5%
of Gilroy 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.
$205,500
County area median income, 4 people (HUD)HUD area median income, Santa Clara County, 4-person household (2026)
$133,107
Gilroy median household incomeMedian household income in Gilroy (Census, 2024)
52 of the 118 programs here set their income limit as a share of Santa Clara County’s area median income, adjusted for household size. See the published limits for Santa Clara County
Free help nearbyFree help near Gilroy
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Gilroy’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Santa Clara County Housing Authority Below Market Rate Partnership Program asks 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
Gilroy questions
Does Gilroy have its own down payment program?
No program run for Gilroy alone is listed. A home in Gilroy can use the 2 programs that cover Santa Clara County and the 54 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Gilroy?
All 2 of Gilroy’s local and county programs accept condos. 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 Santa Clara County?
Each program sets its own. 52 of the programs here set theirs as a share of HUD’s area median income for Santa Clara 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 Gilroy?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
95020 · 95021
Nearby in Santa Clara
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.