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The Santa Clara County of Education (SCCOE) is Committed to serving, inspiring, and promoting student and public school success.
Strategic campaigns to raise awareness of the overall benefits of education
Meeting the emerging needs of the community by providing leadership and support for children, schools, and the greater community.
A premier service organization.
Fostering respectful, supportive, and inclusive work environments within and across branches, departments, clusters, and sites.
Affordable Housing for Educators and School Employees
Law enforcement officers, pre-Kindergarten through 12th grade teachers, firefighters and emergency medical technicians can contribute to community revitalization while becoming homeowners through HUD's Good Neighbor Next Door Sales Program. HUD offers a substantial incentive in the form of a discount of 50% from the list price of the home. In return you must commit to live in the property for 36 months as your sole residence.
How the Program Works
Eligible Single Family homes located in
revitalization areas are listed exclusively for sale through the Good Neighbor Next Door Sales program. Properties are available for purchase through the program for seven days.
How to Participate in Good Neighbor Next Door
listings for your state. Follow the instructions to submit your interest in purchasing a specific home. If more than one person submits an offer on a single home a selection will be made by random lottery. You must meet the
requirements for a law enforcement officer, teacher, firefighter or emergency medical technician and comply with HUD's regulations for the program.
HUD requires that you sign a
second mortgage and note for the discount amount. No interest or payments are required on this "silent second" provided that you fulfill the
three-year occupancy requirement.
The number of properties available is limited and the list of available properties changes weekly.
To learn more, please see our Good Neighbor Sales
Frequently Asked Questions !
HUD’s Teacher Next Door connects educators to a wide variety of grants and housing programs—including Good Neighbors Next Door—helping applicants find local programs and organizations that reduce mortgage rates and costs and provide down payment rebates. Housing in this program isn’t restricted to federally designated revitalization areas, and there are no residency requirements.
The San Francisco Teacher Next Door program provides loans of up to $20,000 towards a down payment to qualified teachers employed by the San Francisco Unified School District. That’s about 10 percent of the amount needed for a down payment in San Francisco.
program is for teachers, administrators, school district employees and staff members working for any California K-12 public school, which includes Charter schools and county/continuation schools. Applicants must also be first-time homebuyers. School Program junior loans are up to 4% of the purchase price, and can only be combined with an eligible CalHFA first mortgage loan. School Program subordinate loans can only be used for down payment assistance and/or closing costs. (See
For Californians working in an underperforming school, the Extra Credit Home Purchase Program can provide mortgage tax credits to reduce their total owed to the federal government. Participants must be first-time buyers and meet income and home price limits, which vary by county. Teachers Next Door can connect qualified buyers with the appropriate grants, or you can search for mortgage assistance programs in your state.
Mortgage bank and lender Supreme Lending’s Educator Mortgage Program offers up to $800 in discounts on closing costs and Realtor® fees, as well as a speedy loan turnaround and a $400 donation to the school program of their choice. Available for all teachers and school district employees, the program requires a minimum credit score of 620, but it doesn’t discriminate based upon previous bankruptcy or foreclosure.
Intended for firefighters and military veterans as well as teachers,
this program discounts 25% of your Realtor fee when buying and selling, as long as you use a Realtor or broker who has signed up as a program affiliate. Applicants also receive reduced closing and home inspection fees.
HELP will assist middle-income first-time homebuyers with down payment assistance of up to 10% of the purchase price with a maximum purchase price of $800,000. This loan is a 30-year deferred loan plus a share of appreciation. Borrowers will repay the principal loan amount plus a share of the appreciation based on the percentage of the loan borrowed through HELP. (See
A program administered by
Housing Trust Silicon Valley provides down payment assistance loans to first-time homebuyers and is funded by the 2016 Measure A Affordable Housing Bond. The program is aimed at assisting low to moderate income County residents – including employees at nonprofit organizations, teachers, healthcare professionals, County employees and others. (See
To support sustainable homeownership and help advance neighborhood stability, the Wells Fargo NeighborhoodLIFT program looks to the future by delivering down payment assistance and financial education to homebuyers in collaboration with NeighborWorks® America and local nonprofit organizations.
Get help with your down payment. Apply for down payment assistance from local nonprofit groups, when the program is available in your area.1
Find out if you’re ready to buy a home. Financial education is available to help buyers prepare for homeownership. Visit the
NeighborhoodLIFT program webpage to attend an event, find available grants, or talk to a consultant (1-866-858-2151).