1st Time Homebuying Program

If you haven’t owned a home in 3 years you might qualify!


CHDC’s First Time Homebuyer Program helps low-to moderate-income individuals and families purchase affordable homes in our communities. We focus on the planning steps needed on your journey toward home ownership and educate you about our loan products. Our goal is for you to meet strict lending requirements and get the financing you can afford.

1st time homebuyer
down payment
edu and counseling
financial Fitness

How the Program Works

Through a combination of informational workshops and individual counseling, CHDC’s First Time Homebuyer Program teaches you everything from preparing yourself financially to completing your purchase. After completing 8 hours of group or online education, met with your counselor and entered into a purchase contract, CHDC will issue you the First Time Homeowner Education Certificate of Completion. The certificate is a HUD requirement for many lenders and down payment assistance programs. If requested, we can send your certificate directly to your title company. We will also inform qualified buyers of special financing opportunities to ensure the purchase is affordable.


By completing the workshops and follow up session, you can obtain:

– First Time Homebuyer Workshop Certification

– Credit Counseling

– Loan Qualification Analysis

– Loan Document Review

– Budget Planning

– Down Payment Assistance and Referrals

– Deed Restriction Counseling

– Lender Referrals

– Real Estate Referrals


We are currently offering Virtual Instructor led homebuyer education classes and follow-up sessions in English and Spanish. The registration fee is $75 per person.  Upon completion of the course you must schedule a follow-up session.  At that time you will be charged a $30 fee for a credit check (you may provide (you may provide a current (no older than 90 days) credit report with all 3 credit scores and we will waive the fee). The registration fee for a couple (borrower & co-borrower) is $155 which includes the course and BOTH credit check fees.


We offer a self-paced online Home Buyer Education course through eHome America which is available in English and Spanish.  The registration fee is $99.00.  We allow an individual borrower or a couple (borrower & co-borrower) to complete the course for the $99 fee.  Once you have completed eHome we will contact you to schedule a follow-up session.  At that time you will be charged a $30 credit check fee per person (you may provide a current (no older than 90 days) credit report with all 3 credit scores and we will waive the fee).


Click HERE to start your online course.


When you have completed the online course, you must complete an intake form and provide supporting documentation. Once ALL documents are received, we will schedule a follow-up session with one of our HUD certified counselors.


To receive your certificate and find out if you are eligible for available down payment assistance programs, HUD requires a follow-up session that can be conducted in person or by telephone, whichever is more convenient for you. The follow-up session is scheduled after the submission of the intake form and required documents. You may download the intake application HERE.


Call our office for more questions or concerns. We are here to assist you.


Thanks again for choosing CHDC!

1535-A Fred Jackson Way

Richmond, CA 94801

510-412-9290 Ext. 226


Program Enrollment

In order to attend a First Time Homebuyer Workshop, you must first attend an orientation and submit a completed Intake Form with all requested at documents. Applications are reviewed in the order in which they are received.

Orientations are held the second Wednesday of every month at 6:30 pm at JFK Library, Joseph Room, 505 Santa Clara Street, Vallejo CA 94590 and the last Thursday of every month in Richmond at 1555 Fred Jackson Way, Richmond CA. 94801


Please download the Intake Form below. You can turn in the Intake Form and copies of the required documents at the orientation, fax them to (510) 215-9276, email them to Lcarr@chdc.sharperfx.com, or mail/drop them off at our office at:

CHDC Homebuyer Program

1535-A Fred Jackson Way

Richmond, CA 94801


Please note that we cannot accept original documents and we cannot make copies of your original documents at our office.


For additional questions, information in Spanish, or disability accommodations, please call us at: (510) 412-9290 x226 or (707) 652-7861 x226.


Homebuyer Program Intake Form – English