Row of houses in Santa Barbara county with front lawns

Workforce Homebuyer Program

The Workforce Homebuyer Program provides low-to-middle income home buyers down payment loans, which enables them to secure conventional financing and removes financial barriers to the dream of home ownership by lowering home acquisition and carrying costs. Our loans help qualified working families and individuals to buy a home that provides a stable residence that strengthens the family and the neighborhood.

Workforce Homebuyer Program Workshop

Program Purpose

Our innovative Workforce Homebuyer Program provides down payment loans up to $125,000 in South Santa Barbara County.

Program Benefits

Our workforce homebuyer loans enable employees to put down roots in a community and allows employers to attract and retain high quality employees that are vital for a thriving economy and vibrant communities.

South Coast Program Information

In 2018 the HTF launched a South Coast Workforce Homebuyer Program. This $3.5 million homebuyer assistance program provides 10-year simple interest only down payment loans up to $125,000 to help low to middle income workforce homebuyers in South County purchase a home. Loans for market rate homes have a 10-year term and loans for affordable resale restricted homes have a 15-year term.

South Coast Area Map of Santa Barbara County

South Coast Area Map

For South Coast Information Contact:

Yvette Lounsbury
Homebuyer Loan Administrator
Housing Trust Fund of Santa Barbara County
(805) 845-3585

Workforce Homebuyer Down Payment Program Power Point Presentation

Click Link to Download:



Jennifer McGovern
President and CEO
(805) 685-1949


Yvette Lounsbury
Homebuyer Loan Administrator
(805) 845-3585

© 2021 Housing Trust Fund of Santa Barbara County


Housing Trust Fund
of Santa Barbara County
P. O. Box 60909
Santa Barbara, CA 93160-0909

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