Deferred second loan
City of Thousand Oaks First-Time Homebuyer Assistance
First-time homebuyers · New construction · Income limits · Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
Down payment assistance · Ventura County
Buying a home in Thousand Oaks, CA
1 Thousand Oaks program, 5 county programs and 54 statewide.Thousand Oaks has 1 program of its own, 5 more across Ventura 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 Thousand Oaks addresses
Thousand Oaks’s own program
Anywhere in VenturaAnywhere in Ventura County
5 county programs5 county programs a Thousand Oaks homebuyer can also use
5 more programs are for homes in Simi Valley, Camarillo and Oxnard. See them 5 programs in neighboring cities — for homes inside those cities, not Thousand Oaks
- Simi Valley — City of Simi Valley Affordable Homeownership Program
- Camarillo — VCCDC DPA - City of Camarillo
- Oxnard — City of Oxnard Down Payment Assistance Program (PLHA)
- Oxnard — City of Oxnard First-Time Homebuyer Program (Separate from VCCDC)
- Oxnard — City of Oxnard Homebuyer Assistance Program
The Thousand Oaks marketThe Thousand Oaks housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Thousand Oaks
- 66.3% single-familysingle-family
- 11.4% townhousetownhouse
- 4.1% 2–4 units2–4 units
- 15.9% 5+ unitscondo & apartment buildings (5+ units)
- 2.3% mobile & othermobile home & other
Condos count. 5 of Thousand Oaks’s 6 local and county programs accept condos. Habitat for Humanity Ventura County lists habitat-built single-family home.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Thousand Oaks’s homes were built
pre-19401970s2020+
56.5%
of Thousand Oaks 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.
$135,600
County area median income, 4 people (HUD)HUD area median income, Ventura County, 4-person household (2026)
$135,603
Thousand Oaks median household incomeMedian household income in Thousand Oaks (Census, 2024)
56 of the 122 programs here set their income limit as a share of Ventura County’s area median income, adjusted for household size. See the published limits for Ventura County
Free help nearbyFree help near Thousand Oaks
2 HUD-approved counseling agencies within 15 miles2 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
Thousand Oaks questions
Does Thousand Oaks have its own down payment program?
Yes, one: City of Thousand Oaks First-Time Homebuyer Assistance, a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside Thousand Oaks.
Can I use assistance on a condo in Thousand Oaks?
5 of Thousand Oaks’s 6 local and county programs accept condos. Habitat for Humanity Ventura County 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 Ventura County?
Each program sets its own. 56 of the programs here set theirs as a share of HUD’s area median income for Ventura 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 Thousand Oaks?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Thousand Oaks. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
91358 · 91360 · 91362
Nearby in Ventura
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.