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Get Matched Free →City of Santa Fe Affordable Housing Trust Fund Homeownership Assistance
Funding status: Active
How much assistance
Down payment, gap financing, and mortgage assistance amounts vary by partner program; combined assistance can be substantial when stacked
Forgiveness terms vary by funding source and partner administering the assistance.
Eligibility
- Income limits: City Trust Fund serves households up to 120% AMI. Most federal mortgage products administered through partners target households at or below 80% AMI.
- First-time buyer required: No
- Geographic restrictions: Property must be located within Santa Fe city limits.
- Homebuyer education required: Yes
How to Apply for City of Santa Fe Affordable Housing Trust Fund Homeownership Assistance
The City delivers homebuyer assistance through general-fund contracts with three local nonprofits: Santa Fe Habitat for Humanity, Homewise, and the Santa Fe Community Housing Trust. Contact any of these partners directly to begin counseling and identify the right combination of city, county, and state funding for your purchase.
Notes
The Trust Fund does not typically issue direct grants to individual homebuyers — it funds the partner nonprofits who in turn provide DPA, gap loans, and mortgages. Income limit is broader (up to 120% AMI) than most federal programs.