If you’ve been saving up for your first home in Westlake Village, Thousand Oaks, Agoura Hills, or Newbury Park, you’re not alone—and you might be closer than you think. With tax season wrapping up, now’s the perfect time to consider how your refund could help you take a major step toward buying a home in Conejo Valley.

Use Your Tax Refund To Strengthen Your Homebuying Budget
As Freddie Mac points out,

“your tax refund from the IRS can be a useful supplement to your homebuying budget.”

And this year, the average refund is slightly higher—up 3.9% from last year. Whether you're a first-time homebuyer in Ventura County or looking to upsize in Simi Valley, every dollar matters when it comes to closing the gap between renting and owning.

Here are a few ways to use your refund toward buying a home in Southern California:

1. Put It Toward Your Down Payment

Many buyers in our market think they need 20% down to buy a home in Thousand Oaks or Agoura Hills—but that’s not true. Loan programs exist with down payments as low as 3%. Using your refund to kickstart or grow your savings could help you get there sooner.

2. Cover Closing Costs

Homebuyers often forget about closing costs, which typically range from 2% to 5% of a home’s purchase price. Your tax refund could help cover essential fees like the appraisal, escrow, title insurance, and more.

3. Buy Down Your Mortgage Rate

If you’re looking to lower your monthly payment, some lenders offer the option to “buy down” your mortgage rate. This is especially helpful if you’re shopping in competitive areas like Westlake Village or Newbury Park, where prices are holding strong.

4. Use It as an Emergency Fund

Buying a home doesn’t stop at the down payment. Having a little cushion can provide peace of mind—especially in your first few months of homeownership. A refund can help you feel more secure as you transition into your new space.

Let’s Talk Strategy

Navigating the homebuying process in Conejo Valley doesn’t have to feel overwhelming. Whether you're wondering how much home you can afford in Westlake Village, or you're looking for trusted real estate experts in Thousand Oaks, we’re here to help. At Lydia Gable Realty Group, we’ll walk you through loan options, connect you with reputable local lenders, and map out the steps so you feel confident from day one.

Bottom Line
Your tax refund might not cover the whole cost of buying a home—but it could be the boost you need to get started. In a market like Conejo Valley, where timing and preparation make all the difference, every bit helps.

Have questions about buying a home in Agoura Hills or Simi Valley? Let’s create a personalized plan that gets you closer to holding the keys to your future.

📞 Contact Lydia Gable Realty Group—the #1 real estate team in Conejo Valley—for expert guidance and local insight.