Homeownership Opportunities


The goal of the City and the Tustin Housing Authority is to develop, conserve and maintain the City’s housing supply. This includes including the provision and maintenance of affordable housing. At the current time, the City of Tustin has restrictions on over 279 affordable ownership units which, from time to time, become available for sale. 

The City does not maintain a waiting list for those interested in purchasing resale affordable units; therefore, it is the responsibility of the current owner to locate a qualified buyer.

Apartment Complex in Tustin

Affordable Units For Resale

Currently, there are no affordable units for resale. When owners list their affordable units for sale and choose to list their home on the City's website, the Housing Authority will update this page and provide a link to the resale list.


Buyers can download this fact sheet (PDF) on the City’s affordable housing programs for additional information.

Interested buyers can use this Applicant Preliminary Qualification Checklist to assist in determining whether or not your household might qualify. 


Lenders can download this fact sheet (PDF) on the City’s affordable housing programs for additional information.

First Time Homebuyer Program

At this time, the City of Tustin does not offer the First Time Homebuyer Program.

Subordination Requirements

Participants in the City’s affordable housing programs are allowed to refinance their first mortgage as long as certain requirements are met. A processing fee of $280 is due at the close of escrow. Download information on refinancing requirements (PDF) to learn more. A Release of First Lien Information Form (PDF) is to be included in the preliminary approval package outlined under the terms for refinancing.

Mortgage Credit Certificate Program

The Mortgage Credit Certificate (MCC) Program reduces the federal income taxes paid by first-time homebuyers. Eligible first-time homebuyers receive a tax credit, reducing the amount of their federal income tax by 20% of the annual interest they pay on their mortgage. 

Program participants have the option to utilize their tax credit immediately and reduce the current amount of federal income tax withheld from their wages. The tax credit may also assist in qualifying for a home loan.

How Does a Homebuyer Qualify for the MCC Program?

There are three basic qualifications for program participants:

  • They must be a first-time homebuyer or have not owned a home in the last 3 years
  • Their annual income must fall within the program income limits
  • The home being purchased must fall within the program purchase price limits

Where Do Interested First-Time Homebuyers Apply?

National Homebuyers Fund, Inc. is administering the program for the County of Orange. For more information, please call 866-643-4968, or email any questions.