Down Payment Assistance


CHDC offers several different down payment assistance programs either directly or through our affiliate organizations and partners. To qualify for down payment assistance and other affordable homeownership opportunities, you must qualify as a first time home buyer. This means that you cannot have owned a home that you’ve lived in within the past three years.


CalHome (Program Brochure in  English and  Spanish) offers up to $38,000 in a “silent” down payment assistance loan for low income households purchasing in Contra Costa County. Silent means you never make a payment on this loan for as long as you live in the house.

In order to qualify for CHDC CalHOME down payment assistance your income cannot exceed the following:

Number of People in Household Maximum Annual Income for CHDC Cal-Home Down Payment Assistance
One $45,100
Two $51,550
Three $58,000
Four $64,400
Five $69,600
Six $74,750
Seven $79,900
Eight $85,050
*Updated December 2013

Helping Hand

Helping Hand is a down payment assistance loan up to $10,000 that is currently being developed to assist low and moderate income households through CHDC’s affiliate, Community First Lending. Please stay tuned for more information on this exciting new program.


CC-MATCH / IDA Program helps you save for your down payment by matching your savings 3 times toward the purchase of your new home. You must be a Contra Costa County resident to qualify.

Below Market Rate Homes and Market Rate Rehabbed Homes for Sale

CHDC offers below market rate homes for sale through partnerships with cities, counties, and the federal Neighborhood Stabilization Program (NSP) to bring you quality homes at affordable prices. CHDC also works with community partners such as Self Help on affordable homeownership opportunities.

Income Guidelines for Affordable Homeownership
Number of People in Household Annual Income Limits
One $65,500
Two $74,800
Three $84,200
Four $93,500
Five $101,000
Six $108,500
*Updated December 2011
** If your income comes from a source other than employment, such as AFDC, Disability or Social Security, contact us for income limits.

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Community Housing Development Corporation 1535-A Fred Jackson Way, Richmond CA 94801-1525 PH: (510) 412-9290 PH: (707) 652-7861 FX: (510) 215-9276

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