Chris,
Contact this person at Ventura County and ask what type of first time homebuyer programs they have, such as Down Payment and Closing Cost Assistance, American Dream Down Payment Inititative, Mortgage Credit Certificate. You would be surprised how much financial assistance is available.
Tricia Maier
805 654-2464
Tricia.Maier@ventura.org
Housing Programs / Special Projects
I administer first time homebuyer programs for SD County, feel free to give me a call if you have any questions about programs/loans etc. This is my work number 858 694-8741.
Good luck!