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

2023 HUD Income Limits

Alameda/Contra Costa Counties

Household Size 80%
1 $78,550
2 $89,750
3 $100,950
4 $109,600
5 $112,150
6 $130,100
7 $139,100
8 $148,050

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:

WISH 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.