Deferred second loan
City of Santa Ana My First Home Program
First-time homebuyers · New construction · Income limits · Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
Down payment assistance · Orange County
Buying a home in Santa Ana, CA
1 Santa Ana program, 5 county programs and 54 statewide.Santa Ana has 1 program of its own, 5 more across Orange 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 Santa Ana addresses
Santa Ana’s own program
Anywhere in OrangeAnywhere in Orange County
5 county programs5 county programs a Santa Ana homebuyer can also use
6 more programs are for homes in Buena Park, Anaheim, Garden Grove, Huntington Beach, Irvine and La Habra. See them 6 programs in neighboring cities — for homes inside those cities, not Santa Ana
- Buena Park — City of Buena Park First-Time Homebuyer Assistance
- Anaheim — City of Anaheim First-Time Homebuyer Program
- Garden Grove — City of Garden Grove First-Time Homebuyer Program
- Huntington Beach — City of Huntington Beach First-Time Homebuyer Program
- Irvine — Irvine Community Land Trust - Affordable Homeownership
- La Habra — La Habra Homebuyer Assistance Program - Orange County
The Santa Ana marketThe Santa Ana housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Santa Ana
- 44.2% single-familysingle-family
- 7% townhousetownhouse
- 10.1% 2–4 units2–4 units
- 33.4% 5+ unitscondo & apartment buildings (5+ units)
- 5.3% mobile & othermobile home & other
Condos count. 5 of Santa Ana’s 6 local and county programs accept condos. Habitat for Humanity of Orange County - Homeownership Program lists habitat-built single-family home.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Santa Ana’s homes were built
pre-19401970s2020+
73.9%
of Santa Ana 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.
$138,600
County area median income, 4 people (HUD)HUD area median income, Orange County, 4-person household (2026)
$93,999
Santa Ana median household incomeMedian household income in Santa Ana (Census, 2024)
56 of the 122 programs here set their income limit as a share of Orange County’s area median income, adjusted for household size. See the published limits for Orange County
Free help nearbyFree help near Santa Ana
8 HUD-approved counseling agencies within 15 miles8 HUD-approved housing counseling agencies within 15 miles
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.5 of the 6 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
Santa Ana questions
Does Santa Ana have its own down payment program?
Yes, one: City of Santa Ana My First Home Program, a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside Santa Ana.
Can I use assistance on a condo in Santa Ana?
5 of Santa Ana’s 6 local and county programs accept condos. Habitat for Humanity of Orange County - Homeownership Program 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 Orange County?
Each program sets its own. 56 of the programs here set theirs as a share of HUD’s area median income for Orange 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 Santa Ana?
HUD-approved housing counseling agencies teach homebuyer classes, and 8 agencies are within 15 miles of Santa Ana. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
92701 · 92702 · 92703 · 92704 · 92705 · 92706 · 92707 · 92711 · 92712 · 92735 · 92799
Nearby in Orange
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.