Empower Homebuyers SCC Program

County of Santa Clara / Housing Trust Silicon Valley

Available Home Repair

About This Program

Empower Homebuyers SCC Program is available to homeowners in San Jose, CA.

The Empower Homebuyers SCC program provides first-time homebuyers in Santa Clara County with a 30-year deferred shared appreciation loan for down payment assistance, up to $250,000 or 30% of the purchase price with no monthly payments or interest. Designed for county employees, teachers, healthcare professionals, and nonprofit workers. Upon sale, buyers repay the loan plus a proportional share of appreciation.

Typical assistance for moderate-income first-time buyer in San José

Official program page checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In San Jose, CA, you can combine this program with other local help to cut your cost:

Key Details

  • Up to $250,000 or 30% of purchase price
  • 30-year deferred, no monthly payments, no interest
  • Income limit: 120% Area Median Income
  • Targeted to teachers, healthcare, county employees, nonprofits
  • Contact Housing Trust SV: 408-703-3837 ext. 301

How to Apply

Get free help applying Visit Official Program Page Track this program

408-703-3837

A grant-savvy contractor in San Jose, CA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in San Jose early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling, funded by 2016 Measure A Affordable Housing Bond

Questions about this program?

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Frequently asked questions

Who qualifies for Empower Homebuyers SCC Program in San Jose?

Empower Homebuyers SCC Program is open to homeowners in San Jose, CA.

How do I apply for Empower Homebuyers SCC Program in San Jose, CA?

Apply directly with County of Santa Clara / Housing Trust Silicon Valley using the official program link on this page or call 408-703-3837. There is no middleman and no fee. Deadline: Rolling, funded by 2016 Measure A Affordable Housing Bond.

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Find More Programs in San Jose, CA

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