Monterey County First-Time Homebuyer Program
Monterey County First-Time Homebuyer Program is a silent second deferred loan (home) from Monterey County Housing & Community Development. Serves Monterey. For first-time buyers. Income limit: 80% AMI.
Amount varies by program
Listed as open as of April 10, 2026
Serves Monterey.
| First-time buyer | Required |
|---|---|
| Income limit | 80% AMI |
| Minimum credit score | 640 |
| Sales price cap | 396000 |
| Repayment | 0% int.; deferred; due on sale/refinance/transfer |
| Stacking | Stacks: calhfa-myhome |
| Notes | Unincorporated Monterey County only. 80% AMI. Modest home requirement. |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: Monterey County Housing & Community Development · program details at the provider’s site.
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