Down Payment Assistance Programs

CHDC offers a variety of down payment assistance programs, either directly or through our affiliate organizations and partners. To qualify for down payment assistance and other affordable homeownership opportunities, clients must qualify as a low-to moderate income first-time homebuyer Contact us for more details about this great opportunity.


Cal Home

Cal Home Program offers up to $38,000 in a “silent” down payment assistance loan for low-income households purchasing in Contra Costa. This loan is secured by a Deed of Trust on the property and requires no monthly payments.


  • Applicant must be a first-time homebuyer
  • Applicant must complete HUD approved 8-hour homebuyer education class.
  • Applicant’s annual household income may not exceed the current program limits (See Table 1)
  • Income of all household members age 18 years and over is included (See Table 1)
  • Property must be in Contra Costa
  • Property must be a single-family dwelling including condos, townhouses, live-work units, and manufactured housing
  • Property must be vacant or owner occupied, no tenants may be displaced
  • Property must be primary residence
  • First mortgage loan must be 30-year fixed with taxes and insurance impounded

Eligibility Guidelines
Fiscal Year 2022 Income Limits for Contra Costa:

Number in Household / Maximum Annual Income
/ $76,750
2 / $87,700
3 / $98,650
4 / $109,600
5 / $118,400
6 / $127,150
7 / $135,950
8 / $144,700

Community Housing Development Corporation (CHDC) is proud to be part of the Neighborhood LIFT program in collaboration with Wells Fargo and NeighborWorks® America. Neighborhood LIFT provides eligible homebuyers with $25,000 in down payment assistance on qualified properties.  For more information about the Neighborhood LIFT program:


CHDC works with a number of banks to assist homebuyers in applying for WISH grant funds. .

Workforce Initiative Subsidy for Homeownership (WISH)

  • Provides matching grants to qualified first-time homebuyers
  • 4:1 match on homebuyer contribution up to $22,000
  • Participant is a first-time homebuyer according to Federal Home Loan Bank definition
  • Restricted to households at or below 80% AMI (Area Median Income)
  • Must complete a homebuyer counseling program provided by an experienced organization
  • 5-year retention period

Call us for more information.

For more information, please contact Community Housing Development Corporation (CHDC) at (510) 412-9290, or For information on homebuyer education and counseling, please sign in to

Community Housing Development Corporation

We are a full-service housing development corporation creating vibrant communities throughout the Bay Area and we are here to serve you.