Buying your first home in Santa Clarita, Valencia, Saugus, Newhall, Stevenson Ranch, Canyon Country and Castaic? You may qualify for programs that make it easier to afford your down payment, closing costs, or monthly mortgage.
Here’s a breakdown of some great local and statewide resources for first-time buyers.
1. CalHFA Loans
The California Housing Finance Agency (CalHFA) offers:
- Down payment assistance loans
- Deferred-payment junior loans (MyHome Assistance)
- Mortgage Credit Certificates for tax savings
Must meet income and credit requirements.
2. Santa Clarita First-Time Buyer Programs
While the city doesn't always offer direct assistance, regional programs from Los Angeles County or SCAG (Southern California Association of Governments) may apply.
3. VA and FHA Loans
- FHA: As little as 3.5% down with flexible credit requirements
- VA: Zero down if you qualify (military or veteran)
Many first-time buyers use these to enter the market affordably.
4. Grants and Nonprofits
Check for:
- NeighborWorks partners in LA County
- Credit unions offering first-time buyer support
- Employer or union homebuyer incentives
5. Homebuyer Education Courses
Often required for assistance programs—but great even if not! Learn budgeting, escrow, and homeownership basics.
Curious what programs you qualify for? I’ll connect you with trusted local lenders and guide you through the process. Schedule a buyer consultation—and follow me on social for Santa Clarita homebuying tips.
Ready to make your next move in Santa Clarita?
Contact Tami Cicerello with The Cicerello Team at RE/MAX Of Santa Clarita — your local real estate expert with 36+ years of experience helping sellers and buyers reach their goals.
661–212–3413| 
TamiCicerel
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Written by Tami Cicerello, REALTOR® and local real estate expert serving Santa Clarita, Valencia, Saugus, Newhall, Stevenson Ranch, Canyon Country and Castaic.