Deferred second loan
City of Oxnard Homebuyer Program (County Expansion)
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 Ventura, CA
1 Ventura program, 4 county programs and 54 statewide.Ventura has 1 program of its own, 4 more across Ventura County, and 54 statewide. Here is what each one offers, and who near you can walk you through it.
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Only for Ventura addresses
Ventura’s own program
Anywhere in VenturaAnywhere in Ventura County
4 county programs4 county programs a Ventura homebuyer can also use
6 more programs are for homes in Simi Valley, Camarillo, Oxnard and Thousand Oaks. See them 6 programs in neighboring cities — for homes inside those cities, not Ventura
- 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
- Thousand Oaks — City of Thousand Oaks First-Time Homebuyer Assistance
Income limits in Ventura County
How programs here set their income limits
$135,600
County area median income, 4 people (HUD)HUD area median income, Ventura County, 4-person household (2026)
55 of the 121 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 Ventura
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.4 of the 5 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
Ventura questions
Does Ventura have its own down payment program?
Yes, one: City of Oxnard Homebuyer Program (County Expansion), a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside Ventura.
Can I use assistance on a condo in Ventura?
4 of Ventura’s 5 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. 55 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 Ventura?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Ventura. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
93001 · 93002 · 93003 · 93004 · 93005 · 93006 · 93007 · 93009
Nearby in Ventura
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.