Housing Assistance Programs

Anaheim offers a variety of housing options for its citizens ranging from affordable to executive. Anaheim also offers the unique opportunity to live among history by purchasing one of our historical homes.

The City of Anaheim/Redevelopment Agency offers financial assistance to families wanting to purchase condominiums or single family homes in Anaheim.

Two funding sources are available through the City. The first is our Second Mortgage Assistance Program (SMAP), funded with Redevelopment 20% housing set aside funds; and, the second program is the HOME Program, which is funded by the federal government. Each program has its own guidelines as described in the chart below.

SMAP Program

HOME Program

  • Loan Amount: 20% of purchase price (not to exceed $35,000)
  • Maximum Annual Gross Income Limits
  • Loan: up to $50,000 Maximum
  • Maximum Annual Gross Income Limits
    • Household Income Income

    Household Size

    		Income

    1

    		$63,500 or less

    1

    		$39,500 or less

    2

    		$72,550

    2

    		$45,200

    3

    		 $81,650

    3

    		$50,850

    4

    		$90,700

    4

    		$56,500

    5

    		 $97,950

    5

    		$61,000

    6

    		$105,200

    6

    		$65,550

    7

    		$112,450

    7

    		 $70,050

    8

    		$119,700

    8

    		$74,600
    • Income Limit: Up to 120% of median
    • Interest Rate: 5% Simple Interest
    • Term of Loan: 30 years deferred (due upon sale or transfer of property)
    • Payments: No monthly payments
    • No Maximum Purchase Price
    • Must always remain owner-occupied
    • Assistance offered to households who do not currently own a home
    • Requirements: Must be legal residents
    • Compatible with SCHFA financing
    • Assets cannot exceed $62,744
  • Income Limit: Up to 80% of median
  • Interest Rate: 3% Simple Interest
  • Term of Loan: 30 years deferred (due upon sale or transfer of property)
  • Payments: No monthly payments
  • Maximum Purchase Price $280,749
  • Must always remain owner-occupied
  • Assistance offered to households who do not currently own a home
  • Requirements: Must be legal residents
  • Compatible with SCHFA financing
  • Assets cannot exceed $24,178

    • Important restrictions exist on the locations that these programs are available in, and funding is available on a first-come, first-served basis. Please call the Neighborhood Preservation Office at (714) 765-4340 x4886. if additional information is needed.

    PLEASE NOTE: The City of Anaheim exercises its right to determine the loan program for which applicants may qualify.

    The City of Anaheim/Anaheim Redevelopment Agency has, for many years, assisted resident homeowners in improving and maintaining their homes and neighborhoods. The City continues to make low interest rate loans to low to moderate income homeowners to help rehabilitate their homes and make Anaheim a better place in which to live.

    Two types of loans are available to homeowners. The first is funded with federal Community Development Block Grant (CDBG) funds, and the second program is funded with local Redevelopment Agency Housing funds. Each program has its own guidelines as described in the chart below.

    CDBG Rehabilitation Loan Program

    Agency Rehabilitation Loan Program

    ¨ Loan amount: Up to $60,000

    ¨ Loan amount: Up to $60,000.

    • Maximum Annual Gross Income Limits (80% of median)
    • Maximum Annual Gross Income Limits (120% of median)

    Household Size

    Income

    Household Size

    Income

    1

    $39,550 or less

    1

    $63,500 or less

    2

    45,200

    2

    72,550

    3

    50,850

    3

    81,650

    4

    56,500

    4

    90,700

    5

    61,000

    5

    97,950

    6

    65,500

    6

    205,200

    7

    70,050

    7

    112,450

    8

    74,600

    8

    119,700

    ¨ Must remain owner-occupied

    ¨ Must remain owner-occupied

    ¨ Must have equity in property

    ¨ Must have equity in property

    ¨ Interest rate: 3% simple interest

    ¨ Interest rate: 5% simple interest

    ¨ Term of loan: 15 years

    • Some loans are direct payment (monthly payments)
    • Some loans are deferred payment (no monthly payments)
    • Loans are due when home is sold or title transferred
    • Requirement: must be legal residents of U.S.
    • Available only in six Neighborhoods council areas.

    ¨ Term of loan: 15 years

    • Some loans are direct payment (monthly payments)
    • Some loans are deferred payment (no monthly payments)
    • Loans are due when home is sold or title transferred
    • Requirement: must be legal residents of U.S.
    • Available only in six Neighborhood Council areas

    For both programs, most types of improvements are eligible; however, all health, and safety, and code-related items take priority over any cosmetic improvements. Eligible items include but are not limited to:

    • New roofing
    • Exterior and/or interior painting
    • Heating and air conditioning
    • Plumbing
    • Electrical
    • Carpeting
    • Front yard landscaping and sprinklers
    • Built-in appliances

    Funding is limited and available on a first-come, first-served basis. Please call the Neighborhood Preservation Office at (714) 765-4340 ext. 4889 if additional information is needed.