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Homeownership Assistance Program

Yuba County is pleased to introduce you to their Homeownership Assistance Program.  The County of Yuba is committed to making the owning of a home an affordable, reachable reality for low-to moderate-income homebuyers.  To learn if you qualify for one of our innovative programs, please review the eligibility criteria below and then contact a mortgage lender.
*Please take a moment to print and fill out the Interest Form*

Program Details
The Community Development & Services Agency, (CDSA) has designed a program to provide 3% interest second mortgages to income eligible households to assist with the purchase of a home.
  • Maximum Loan $60,000 After obtaining the maximum first mortgage your income will support, the Agency will provide up to $60,000 to help bridge the gap between the amount of  your first loan and the purchase price of the home.  The Agency loan is secured by a second Deed of Trust on the property.
  • Interest Rate -- The primary loan must have a fixed interest rate that does not exceed the current market rate.


The primary loan shall be fully amortized and have a term "all due and payable" in no fewer than 30 years.  There shall not be a balloon payment due before the maturity date of the Program loan.
  • All Program participants are required to attend a Sponsor-approved homebuyer education class.  The homebuyer education class will cover such topics as the following:  preparing for homeownership; available financing; credit analysis; loan closing; homeownership responsibilities; home maintenance; impact of refinancing and loan servicing.  Methods of homebuyer counseling and education may include, but are not limited to:  one-on-one counseling between homebuyer, counselor and family/individual and/or group workshops and informational sessions.  Tools of instruction may include fliers, brochures, power point presentations, worksheets, etc.
Eligibility Criteria
  • First Time Home Buyer:  You cannot have held ownership interest in a home in the last three years.
  • Owner Occupied:  The home must be your principal place of residence and cannot be leased or rented during the term of the Agency loan.
  • Target Areas:  The home must be located within one of the "unincorporated" area of Yuba County.

  • Eligible households must document that they have the funds necessary for down payment and closing costs as required by the Primary Lender and the Sponsor.  The Program's down payment requirement (below) is in place even if the Primary Lender has a lower down payment requirement, there is no additional down payment requirement required by the Program.

  • Homebuyer must contribute a minimum down payment of one percent (3%) of the purchase price, but may contribute more if desired.
  • Maximum Income:  The household maximum qualifying incomes are revised annually and are as follows:


Household Size Annual Gross Income
1 $30,650
2 $35,000
3 $39,400
4 $43,750
5 $47,250
6 $50,750
7 $54,250
8 $57,750

Frequently Asked Questions
  • How do I apply?

To apply for one of the programs you need to contact a participating lender   and request an application for a first mortgage loan.  The lender will determine your eligibility for the Yuba County First Time Home Buyer Program. 

  • Do I find a home before I apply for a loan?
It is best to get pre-qualified by a lender before you look for a home.  Having loan approval will save you time by allowing you to look for homes that you know you are qualified to purchase.
  • How long does it take to get qualified for a loan?
The process takes from 7 to 30 days depending on the amount of documentation the lender needs to verify income and debts of the borrower.
  • Do I qualify for the program if I have bad credit?
If you pass the credit standards of the first mortgage lender you may qualify for the Yuba County programs.
  • What if I stay in the home until my first mortgage is paid - up to 30 years?
Our loan will be due when you pay off your first mortgage.
  • Do you have a list of homes that are for sale?
We do not keep listings of homes for sale through our office.  Most of the homes purchased through our program are for sale through the existing owner or through a realtor.  You can contact a local Real Estate Agent to obtain a current listing of properties in your price range.
  • Where do I sign up for the Homebuyer education class?
Neighbor Works, (916) 452-5356. 
  • Will a condominium or townhouse qualify for the program?

Yes, condominiums and townhouses do qualify for the program.  In the real estate market today they are the "starter home" of choice for many home buyers because they are generally smaller and less expensive than conventional single family houses. 


Participating Lender(s):  If you would like to become a participating lender, please contact us at (530) 749-5460.
American Pacific Mortgage
Phone:  530-743-9800    Attn:  Rosemary Avila
Cell:   916-508-4406
Evergreen Home Loans  
Phone:  530-822-0600    Attn:  Lori Heikens
Cell:  530-682-1356
To receive more information about the CDBG Program or other programs offered by the County of Yuba please contact: 
Yuba County Housing & Community Services Division
915 8th Street, Suite 130
Marysville, CA  95901  

Phone: (530) 749-5460 or send us an email at


Community Services • 915 8th. St., Suite 130, Marysville, CA 95901 • (530)749-5430 • Fax: (530)749-5434


©2007 County of Yuba, CA