Kern County First-Time Homebuyer Assistance

Kern County Housing Authority

Waitlist Down Payment

About This Program

Kern County Housing Authority offers down payment and closing cost assistance to first-time homebuyers purchasing in unincorporated Kern County or participating cities including Ridgecrest. Structured as deferred loan forgiven after occupancy period.

Deferred loan forgiven after 5-10 years of owner-occupancy

Official source site checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Up to $15,000 for down payment and closing costs
  • First-time homebuyers in Ridgecrest
  • Income limits up to 120% AMI
  • Forgivable loan after occupancy period
  • Currently waitlisted; limited funding

How to Apply

Get free help applying Visit Official Program Page Track this program

(661) 631-3700

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

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).
  • 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: Check for funding availability

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