Santa Cruz County Mortgage Assistance Program
Deferred second loan · New construction · Income limits
Down payment assistance · Santa Cruz County
Buying a home in Twin Lakes, CA
2 county programs and 54 statewide.Twin Lakes has no program of its own, 2 across Santa Cruz County, and 54 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Twin Lakes
No program of Twin Lakes’s own yet
No program run for Twin Lakes alone is listed. A home in Twin Lakes can use Santa Cruz County’s programs below, plus the California statewide and federal ones.
The closest city that runs its own program is Watsonville, about 14 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in Santa CruzAnywhere in Santa Cruz County
2 county programs2 county programs a Twin Lakes homebuyer can use
2 more programs are for homes in Watsonville. See them 2 programs in neighboring cities — for homes inside those cities, not Twin Lakes
- Watsonville — City of Watsonville Downpayment Assistance Program
- Watsonville — City of Watsonville First Time Homebuyers
Income limits in Santa Cruz County
How programs here set their income limits
$137,200
County area median income, 4 people (HUD)HUD area median income, Santa Cruz County, 4-person household (2026)
51 of the 118 programs here set their income limit as a share of Santa Cruz County’s area median income, adjusted for household size. See the published limits for Santa Cruz County
Free help nearbyFree help near Twin Lakes
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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
Twin Lakes questions
Does Twin Lakes have its own down payment program?
No program run for Twin Lakes alone is listed. A home in Twin Lakes can use the 2 programs that cover Santa Cruz County and the 54 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Twin Lakes?
1 of Twin Lakes’s 2 local and county programs accept condos. Habitat for Humanity Monterey Bay 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 Cruz County?
Each program sets its own. 51 of the programs here set theirs as a share of HUD’s area median income for Santa Cruz 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 Twin Lakes?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Nearby in Santa Cruz
Sources
Sources: agency sites (June–August 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.