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


The City of Vallejo provides gap lending of a maximum loan of up to $50,000.00 to first-time homebuyers for the purchase of properties located within the city limits of Vallejo. A first-time homebuyer is defined as a person who has never owned a home before or has not owned a home for at least three years.

  1. Borrower must be at or below 80 percent of the area median income, (see Eligibility Guidelines chart below).
  2. Borrower must put have liquid assets of no more than $25,000.00, and may not own rental
  3. Borrower’s housing to income ratio may be no higher than 41 percent
  4. Borrower’s debt to income ratio may be no higher than 38
  5. Loans will be deferred over a 30-year term, typically at three percent annual
  6. In addition, a grant of up to three percent of the sales price for non-recurring closing costs is available in tandem with the
  7. If the house was built prior to January 1, 1978 a lead-based paint inspection will be required. If the inspection shows that there is lead based paint that has been disturbed, it must be encapsulated and a clearance report must be
  8. Borrowers must complete a Homebuyer Education class certified by the U. S. Department of Housing and Urban Development (HUD).

Eligibility Guidelines
Fiscal Year 2022 Income Limits for Solano County:

Number in Household / Maximum Annual Income
1 / $60,800
2 / $69,450
3 / $78,150
4 / $86,811
5 / $93,750
6 / $100,700
7 / $107,650
8 / $114,600

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 (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.

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.