First Time Homebuyer Programs

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First Time Home Buyer Programs

Informational Handout

First Mortgage & Down Payment Assistance

The California Housing Finance Agency (CalHFA) offers several First Mortgage and Down Payment Assistance Programs.  Call 877-922-5432 for more information.


Habitat for Humanity - East Bay/Silicon Valley

Habitat for Humanity East Bay/Silicon Valley provides opportunities for affordable homeownership and pre-purchase counseling.

To apply for Habitat for Humanity's homeownership program please contact Habitat for Humanity at: 510-803-3344 or email

Habitat for Humanity is also holding several Homeownership Orientation Workshops in 2016           
Click here for more info and to RSVP to a workshop

East Bay Office:
2619 Broadway
Oakland, CA 94612
Phone: (510) 251-6304
Fax: (510) 251-6309

Silicon Valley Office:
Sobrato Center for Nonprofits
513 Valley Way
Milpitas, CA 95035
Phone: (408) 942-6444
Fax: (408) 942-6446



Mortgage Credit Certificate Program

 Alameda County's Housing and Community Development Department (HCD) runs the Mortgage Credit Certificate (MCC) Program throughout the County. MCC provides income eligible, first-time homebuyers with an opportunity to reduce the amount of federal income tax otherwise due by an amount equal to 15% of the mortgage interest payments as a dollar for dollar credit on their annual taxes. The remaining 85% can be taken as the usual allowable deduction of the itemized return. The result increases the household's overall income and ability to qualify for a mortgage loan. The federal income tax advantage provided by the MCC allows the income qualified, first-time homebuyers the opportunity to obtain a higher 1st mortgage.

Alameda County
Housing & Community Development (HCD)
224 W. Winton Ave., Suite 108 Hayward, CA 94544
(510) 670-5246
For hearing impaired call: (510) 265-0253 


Home Buyer Education & Pre-Purchase Counseling


Eden Council for Hope & Opportunity (ECHO)

ECHO provides pre-purchase counseling for new homebuyers
770 A Street
Hayward, CA 94541
855-ASK-ECHO toll free


Project Sentinel

Project Sentinel provides home buyer education classes and mortgage counseling
Fremont Office
39155 Liberty Street, Ste. D440
Fremont, CA 94538
Toll Free (888) 324-7468
(408) 720-9888 ext 8012