Planning and Community Development

Direct Homeownership Assistance Program 

The City recognizes the relationship between homeownership and neighborhood stability and has identified the expansion of homeownership opportunities as a program activity in its Consolidated Plan.  The Direct Homeownership Assistance Program was developed to expand homeownership opportunities available to City residents of low- and moderate- income status, those whose incomes do not exceed 80 percent of the median area income, depending on household size.  Homeownership assistance will be provided to qualifying households in the form of either payment of specific closing costs and/or up to 50 percent of down payment costs.  Assistance is also available to qualifying households in the form of either the payment of a portion of an existing loan or closing costs to accomplish a refinance of an adjustable/high-rate mortgage to a conventional fixed-rate or equivalent mortgage.  All homes must be located within the City limits (22401 zip code).

Full Program Design 
Application