Deferred second loan
Destination Home
First-time homebuyers · Income limits · Single-family, Condo, Townhouse
Down payment assistance · Santa Clara County
Buying a home in San Jose, CA
1 San Jose program, 2 county programs and 54 statewide.San Jose has 1 program of its own, 2 more 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.
Find my programs Free · No credit pull · 90 seconds
Only for San Jose addresses
San Jose’s own program
Anywhere in Santa ClaraAnywhere in Santa Clara County
2 county programs2 county programs a San Jose homebuyer can also use
7 more programs are for homes in Cupertino, Milpitas, Mountain View, Palo Alto, Santa Clara and Sunnyvale. See them 7 programs in neighboring cities — for homes inside those cities, not San Jose
- 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
- Palo Alto — Stanford University Faculty Staff Housing Assistance
The San Jose marketThe San Jose housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in San Jose
- 51.3% single-familysingle-family
- 11.2% townhousetownhouse
- 6.6% 2–4 units2–4 units
- 27.5% 5+ unitscondo & apartment buildings (5+ units)
- 3.5% mobile & othermobile home & other
Condos count. All 3 of San Jose’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When San Jose’s homes were built
pre-19401970s2020+
60.4%
of San Jose 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)
$146,427
San Jose median household incomeMedian household income in San Jose (Census, 2024)
52 of the 119 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 San Jose
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.2 of the 3 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
Across California and nationwide
116 statewide & federal programs54 statewide programs, plus federal options
San Jose questions
Does San Jose have its own down payment program?
Yes, one: Destination Home, a deferred second loan for first-time homebuyers (income limits). It is for homes inside San Jose.
Can I use assistance on a condo in San Jose?
All 3 of San Jose’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 San Jose?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of San Jose. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
95101 · 95102 · 95103 · 95106 · 95108 · 95109 · 95110 · 95111 · 95112 · 95113 · 95114 · 95115 · 95116 · 95117 · 95118 · 95119 · 95120 · 95121 · 95122 · 95123 · 95124 · 95125 · 95126 · 95127 · 95128 · 95129 · 95130 · 95131 · 95132 · 95133 · 95134 · 95135 · 95136 · 95137 · 95138 · 95139 · 95141 · 95142 · 95148 · 95150 · 95151 · 95152 · 95153 · 95154 · 95155 · 95156 · 95157 · 95158 · 95159 · 95160 · 95161 · 95164 · 95170 · 95171 · 95172 · 95173 · 95190 · 95191 · 95192 · 95193 · 95194 · 95196
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.