At a glance
From its website, read 2 Nov 2026Housing Trust Silicon Valley is a loan fund based in San Jose, California. Its website describes affordable housing development loans. Where it lends: 14-county greater Bay Area, including Sacramento.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| homebuyer@housingtrustsv.org source | |
| Website | www.housingtrustsv.org |
| Office (official list) | 75 E Santa Clara Street, Suite 1350, San Jose, CA 95113 |
What their website says about applying
You will receive instructions from Housing Trust on the next steps in the Home Access Program process, including when and how to submit a Home Access Program eligibility application.
sourceDo not submit an application until you have been instructed to do so.
sourceYou have pre-approval from an approved lender (done prior to submitting application)
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- First-time homebuyer program
You are a Bay Area resident and a first-time homebuyer purchasing a home in Alameda or Contra Costa County.
source - Homebuyer education required
must complete a HUD-certified 8-hour Homebuyer Education class through a designated agency
source - Income limit applies
Your combined gross household income, including all adult household members, does not exceed 80% of the Area Median Income (AMI) for the county where the property is located.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 6 Aug 2026 |
| RSSD ID | — (none listed) |
| Address | 75 E Santa Clara Street, Suite 1350, San Jose, CA 95113 Directions (Google Maps) |
| Website | www.housingtrustsv.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Developer loan terms beyond the Supportive Housing Fund description were not found; the Home Access and HELP pages describe down payment loans. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Affordable housing development loans | — | The Supportive Housing Fund is a partnership between the County of Santa Clara and Housing Trust. Funded with $16.7 million in County funds and $5 million from Housing Trust, Supportive Housing Fund loans finance acquisition, predevelopment or construction of permanent housing | source |
Loan sizes
Loan Amount: You can borrow up to 40% of the purchase price, with a maximum loan amount of up to $200,000.
source
Service area
14-county greater Bay Area, including Sacramento
across the 14-county greater Bay Area, including Sacramento, with the Apple Affordable Housing Fund
source
Borrower focus
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://housingtrustsv.org/
- https://housingtrustsv.org/programs/homebuyer-assistance/home-access-loan-program/
- https://housingtrustsv.org/programs/homebuyer-assistance/homebuyer-empowerment-loan-program/
- https://housingtrustsv.org/housing-trust-launches-capital-for-capacity-grant-program/
- https://housingtrustsv.org/homebuyer-empowerment-loan-program-help-helps-first-buyers/
- https://housingtrustsv.org/1-48-million-loan-to-bill-wilson-center-for-transitional-housing-placement-program/
- https://housingtrustsv.org/housing-trust-uses-supportive-housing-fund-to-loan-abode-services-10-3-million-for-affordable-housing-in-santa-clara/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What interest rate and fees should I expect on your affordable housing development loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$11.9 million in 10 awards from the U.S. Treasury's CDFI Fund, 2012–2021 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Program, Financial Assistance | $500,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $557,000 |
| 2019 | CDFI Program, Financial Assistance | $565,000 |
| 2018 | CDFI Program, Financial Assistance | $700,000 |
| 2018 | Capital Magnet Fund | $4,000,000 |
| 2017 | CDFI Program, Financial Assistance | $776,500 |
| 2014 | CDFI Program, Financial Assistance | $1,500,000 |
| 2013 | CDFI Program, Financial Assistance | $1,347,000 |
| 2012 | CDFI Program, Technical Assistance | $100,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Jun 2023| Total assets | $244.6M |
|---|---|
| Total liabilities | $118.8M |
| Net assets | $125.9M |
| Total revenue | $23M |
| Notes and loans receivable, net (Part X line 7) | $154.3M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 77-0545135, filed as “HOUSING TRUST SILICON VALLEY”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Jun 2021 (990) | $251M | $104.7M | $21.4M | $160.1M |
| Jun 2022 (990) | $240.9M | $109.4M | $26M | $163.7M |
| Jun 2023 (990) | $244.6M | $125.9M | $23M | $154.3M |
Total assets fell 3% from Jun 2021 to Jun 2023; notes and loans receivable fell 4%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets, latest IRS Form 990 | $244.6M | Larger than 94% of the 47 other certified loan funds and venture funds in California with a matched Form 990 (median $18.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in California | 47 | larger than 94% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in San Jose and California
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Excite Credit UnionCredit union · San Jose, CAAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loans…Verified
- Mirastar Federal Credit UnionCredit union · San Jose, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
Work at Housing Trust Silicon Valley? Link to this page
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