Home Ownership

The City was awarded a State of California HOME grant to continue the Home Ownership Program. Funds are available on a first-come, first-served basis based on the date the City receives a complete application.

Assistance for Qualified Home-Buyers

The Home Ownership Program is designed to provide assistance to income qualified homebuyers in purchasing homes located within Arcata city limits. The Program provides loans up to $146,000 per home with 1.5% simple interest and deferred payments for 30 years. Income qualification depends on family size. Consult the California Department of Housing and Community Development for the current limits.