First Time Home Buyer Programs
Mortgage Credit Certificate Program
On a Countywide basis, the Mortgage Credit Certificate Program (MCC) is available to assist FIRST TIME HOMEBUYERS, who meet certain income limits, better afford a first mortgage on their first home.
Additional Home-Ownership Resources
Different cities within Alameda County provide assistance for Low Income families or First Time Homebuyers. On a City-by-City basis, down payment assistance, silent second mortgage programs or below market rate units may be available to assist you and your family in purchasing a home. Contact Information For Each City (20Kb)*
The Federal Government and the State of California have different programs available to assist Low Income Families or First Time Home-buyers. For more information:
- Homes and Communities - U.S. Department of Housing and Urban Development (HUD)
- California Housing Finance Agency programs
- State Department of Housing and Community Development programs.
When buying a home, protect yourself against excessive fees, high interest rates and other predatory lending tactics. More about Predatory Lending...
Counseling & Financial Literacy
Many First Time Homebuyers and Low Income Families require assistance with credit repair, budgeting, counseling, or financial literacy in order to qualify for a mortgage or get ready to buy that first home. Several community organizations provide counseling to individuals and families looking to purchase homes in Alameda County. Click here for a list of programs.