HTF Mission

The Housing Trust Fund of Santa Barbara County (HTF) is a non-profit financing initiative whose mission is to expand affordable housing opportunities for low-to-middle income residents and workers of Santa Barbara County, California. HTF helps maintain the socio-economic fabric of Santa Barbara County by addressing the fundamental building block of healthy communities – housing that is affordable to local workers and residents.


HTF Programs

Revolving Loan Fund

Our long-standing Revolving Loan Fund is operated in partnership with community lenders to offer below-market interest rate loans and technical assistance to eligible affordable housing sponsors of rental and home ownership projects that expand affordable housing opportunities for Santa Barbara County residents.

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Workforce Home Buyer Program

The Workforce Home Buyer Program provides deferred down payment loans to help low to upper-moderate income working households purchase an entry-level,  market rate home in the Santa Barbara County community where they work, enabling a stable residence that strengthens the family and the local neighborhood.

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About HTF

Where We Work

HTF’s geographical service area encompasses the entire County of Santa Barbara, California, including the urban cities of Carpinteria, Santa Barbara, Goleta, Buellton, Solvang, Lompoc, Santa Maria and Guadalupe and the unincorporated rural areas.

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The People We Serve

HTF finances affordable rental and homeownership housing for low-to-moderate income working families, single parents, farm workers, senior citizens, homeless persons, and other persons with special needs throughout Santa Barbara’s diverse communities.

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Community Need

Santa Barbara County is the sixth least affordable small metropolitan area housing market in the nation. The county median home price was the sixth highest in the state, which has led to a severe shortage of affordable housing and has created an “affordability gap.”

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