Monterey County First-Time Homebuyer (FTHB) Program
Monterey County First-Time Homebuyer (FTHB) Program is a deferred silent second loan (home funds) from Monterey County Housing and Community Development Office. Serves Monterey. Income limit: <=80% AMI.
Amount varies by program
Listed as open as of May 26, 2026
Serves Monterey.
| Income limit | <=80% AMI |
|---|---|
| Homebuyer education | Required |
| Sales price cap | $396,000 (unincorporated areas) |
| Amount notes | Gap financing - portion of down payment |
| Notes | Price cap may exclude many Monterey County properties. |
| Phone | (831) 755-5390 |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: Monterey County Housing and Community Development Office · program details at the provider’s site.
See if Monterey County First-Time Homebuyer (FTHB) Program fits your purchase
Tell Cal how to reach you and a licensed loan officer will walk through this program, what it stacks with, and what you would actually qualify for. No spam, no list-selling.
More California programs
-
Deferred Silent Second · Up to 3.5%
-
Deferred Closing Cost Assistance · Up to 4%
-
First Mortgage (for pairing with DPA) · Amount varies by program
-
First Mortgage (for pairing with DPA) · Amount varies by program
-
Deferred Silent Second · Up to 2.5%
-
Shared Appreciation Loan · Up to $150,000 or Up to 20%
-
Forgivable Loan · Up to 10%
-
Federal Tax Credit · Up to $2,000 or Up to 20%