Orange County Mortgage Assistance Program (MAP)

Orange County Mortgage Assistance Program (MAP) is a deferred second loan for homebuyers in Orange County, California. Silent deferred-payment downpayment assistance loan up to $80,000 at 3% simple interest, 30-year term. First-time homebuyers earning 80% or less AMI in unincorporated Orange County. No monthly payments. Up to $80,000 in assistance. no monthly payments on DPA. Funding comes from Federal HOME.

Orange County Mortgage Assistance Program (MAP) offers up to $80,000 in assistance. The program asks homebuyers to contribute 1% of purchase price (borrower minimum). The program can be combined with other assistance, subject to the rules of each. Amounts are the program's published maximums, not an offer — the administering agency determines any individual award.

Orange County Mortgage Assistance Program (MAP) is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off. Repayment is triggered by Sale, transfer, or non-occupancy. The assistance is recorded in Second position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Orange County Mortgage Assistance Program (MAP) is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. On credit, the program states: Contact lender for current credit score requirements. A homebuyer education course is required, through HUD-approved homebuyer counseling. Residency requirement: Property in unincorporated Orange County or participating cities. Citizenship or immigration status: U.S. citizen, permanent resident alien, or other eligible non-citizen. Income ≤80% Orange County AMI; must purchase in unincorporated Orange County or participating city; 3% simple interest deferred loan; repaid at sale/refi/transfer.

Orange County Mortgage Assistance Program (MAP) limits household income to 80% of the area median income, which varies by county and household size. Low income: household income ≤80% of Area Median Income (AMI). The limit applies to total household income, not only the borrower’s. The program lists a maximum household size of 8. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Orange County Mortgage Assistance Program (MAP) caps the purchase price at $765,960. Eligible property types include Single-family (1-4 unit), FHA-approved condominium, townhome/PUD. New construction is eligible. Manufactured homes are not eligible.

Orange County Mortgage Assistance Program (MAP) serves homebuyers purchasing in Orange County, California.

Applications for Orange County Mortgage Assistance Program (MAP) go through the administering agency, which publishes the current terms and the application steps on its own site. Funds are reserved through Contact provider directly; subject to funding availability. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.