Closing Cost Assistance Program (CCAP)

The Housing Trust of Santa Clara County's Closing Cost Assistance Program is the most popular of our four programs designed to help qualified first-time homebuyers in our community, and is now available throughout the entire county. Funds are currently available.

Who it Helps

First-time homebuyers earning up to 120% AMI who have not owned a home in Santa Clara County in the last three years. As shown above, the household income for a four-member household cannot exceed $124,200; or the income for a single-member household cannot exceed $86,950.

How it Helps

Our Closing Cost Assistance Program has helped Santa Clara County's teachers, engineers, nurses, cooks, and other qualified individuals and families buy their first home in Santa Clara County by providing up to $6500 towards the closing costs or other transaction expenses associated with a home purchase. This $6500 loan is due on refinancing or sale of the home or 30 years, with a 3% deferred interest rate. No interest or principal payments are due during the term of the loan. Your loan officer or mortgage broker will submit an application on your behalf to the Housing Trust if you qualify.

For more details, please download the program guidelines here.

To download an application, please click here.

For more information, contact the Homeownership Program Manager at (408)436-3450 ext. 230.