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My First Home Program

Quick answer

My First Home Program is a California down payment assistance program from City of Santa Ana Housing Division. It provides Up to $120,000 as a deferred-payment loan. It is aimed at first-time buyers. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

Eligibility notes

0% interest, 30- or 45-year term, owner occupancy required; local preference for veterans and those who live/work in Santa Ana.

Where does My First Home Program apply?

This city-level program is available to buyers in Santa Ana. Cities on our site where it applies:

DetailProgram terms
AssistanceUp to $120,000
TypeDeferred-payment loan
Minimum creditNot published on the program page
First-time buyerRequired
Income limits80% AMI (currently accepting only 80% AMI households; e.g. $104,200 for 1 person, $148,850 for 4 persons, as of June 2026)

How does My First Home Program work with an FHA loan?

California's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://santa-ana.gov/my-first-home. Programs can pause when funds run out, so confirm availability with a participating lender.

← All California down payment assistance programs

Frequently asked questions

Up to $120,000, according to City of Santa Ana Housing Division.

It's a deferred loan — no monthly payments, repaid when you sell, refinance or pay off the first mortgage.

80% AMI (currently accepting only 80% AMI households; e.g. $104,200 for 1 person, $148,850 for 4 persons, as of June 2026)

Sources

Data last updated October 25, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.