Deferred second loan
City of Lompoc Homebuyer Assistance Program
First-time homebuyers · Income limits · Single-family
Down payment assistance · Santa Barbara County
Buying a home in Lompoc, CA
1 Lompoc program, 3 county programs and 54 statewide.Lompoc has 1 program of its own, 3 more across Santa Barbara 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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Only for Lompoc addresses
Lompoc’s own program
Anywhere in Santa BarbaraAnywhere in Santa Barbara County
3 county programs3 county programs a Lompoc homebuyer can also use
1 more program is for homes in Santa Barbara. See them 1 program in neighboring cities — for homes inside those cities, not Lompoc
- Santa Barbara — City of Santa Barbara First-Time Homebuyer Program
The Lompoc marketThe Lompoc housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Lompoc
- 52.2% single-familysingle-family
- 7.7% townhousetownhouse
- 13% 2–4 units2–4 units
- 20.5% 5+ unitscondo & apartment buildings (5+ units)
- 6.6% mobile & othermobile home & other
Condos count. 2 of Lompoc’s 4 local and county programs accept condos. City of Lompoc Homebuyer Assistance Program lists single-family. Habitat for Humanity Cabrillo (Santa Barbara) lists habitat-built single-family home.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Lompoc’s homes were built
pre-19401970s2020+
58%
of Lompoc 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.
$118,600
County area median income, 4 people (HUD)HUD area median income, Santa Barbara County, 4-person household (2026)
$72,004
Lompoc median household incomeMedian household income in Lompoc (Census, 2024)
54 of the 120 programs here set their income limit as a share of Santa Barbara County’s area median income, adjusted for household size. See the published limits for Santa Barbara County
Free help nearbyFree help near Lompoc
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 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
Lompoc questions
Does Lompoc have its own down payment program?
Yes, one: City of Lompoc Homebuyer Assistance Program, a deferred second loan for first-time homebuyers (income limits). It is for homes inside Lompoc.
Can I use assistance on a condo in Lompoc?
2 of Lompoc’s 4 local and county programs accept condos. City of Lompoc Homebuyer Assistance Program lists single-family. Habitat for Humanity Cabrillo (Santa Barbara) 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 Santa Barbara County?
Each program sets its own. 54 of the programs here set theirs as a share of HUD’s area median income for Santa Barbara 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 Lompoc?
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
93436 · 93437 · 93438
Nearby in Santa Barbara
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.