Workforce Homebuyer Down Payment Loan Program

The Workforce Homebuyer Down Payment Loan Program is a program of the City of Carpinteria, in collaboration with the Housing Trust Fund of Santa Barbara County (HTF), to expand homeownership opportunities in Carpinteria. The program helps to bridge the homeownership affordability gap for workforce homebuyers by providing 30-year deferred payment loans up to $75,000 per household to assist low to upper moderate income households in purchasing a home in the City. Funds can be used for down payment and closing costs for households earn up to 200% of the Area Median Income (AMI), adjusted for household size. The loans have no current interest or principal payments, are structured with shared appreciation, and are repaid upon sale or refinancing of the home pr at the end of the loan term. Funding for the program has been provided through the City of Carpinteria.

The program removes financial barriers to the dream of homeownership by lowering home acquisition and carrying costs. The program enables qualified families to purchase a home that provides a stable residence that strengthens the family, the neighborhood and community.

If you would like to be added to our Affordable Housing Mailing List to receive notification about this program and other affordable housing opportunities, please email your name, mailing address, email address and phone number(s) to the Community Development Department at, or call us with your information at (805) 684-5405, x405 or x410.

Mailing List: To be added to our mailing list please email your name, address, phone number, and email address to: