Down payment Assistance Program


CHDC offers a variety of down payment assistance programs, either directly or through our affiliate organizations and partners, including CalHome, who offers up to $38,000 in a “silent second” down payment assistance loan.  To qualify for down payment assistance and other affordable homeownership opportunities, area clients must qualify as a low-to moderate income first-time homebuyer, when purchasing in Contra Costa, Alameda and Solano Counties. The great news is – qualifying clients never make a payment on this loan for as long as they live in the house.  Contact us for more details about this great opportunity.



  • CalHome offers up to $38,000 in a “silent” down payment assistance loan for low-income households purchasing in Contra Costa. See if you qualify. 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 $69,000
Two $78,850
Three $88,700
Four $98,550
Five $106,450
Six $114,350
Seven $122,250
Eight $130,100
*Updated March 2020


WISH grant funds are a savings program for individuals with low income that provides matched funds (also known as Individual Development Accounts or IDAs) to help clients save money to purchase a home.  These grants are non-repayable, or consider it FREE money (stipulations apply). Depending on their savings goal, client deposits may be matched at the rate of 4:1 for homeownership. To qualify clients must live in Contra Costa or Alameda County and not exceed income limits and meet other requirements.

How the Program Works


You must be a resident of Contra Costa or Alameda County, and meet the income eligibility below. Then, working with CHDC’s Financial Coach, you will set a personal savings goal and open an Individual Development Account (IDA) savings account. Once you are enrolled in the savings program, you must make savings deposits for at least 6 months before you can make a withdrawal. For those saving to purchase their first home, we can take into account monthly savings deposits you made prior to enrolling in WISH.


When you make a deposit, matching funds are also deposited into a separate account. With your savings goal of $5,000, your deposits are matched at the rate of 4 to 1 (Up to $22,000). You must reach your goal of $5,000 to qualify for the $20,000 grant, and IDA accounts are generally not available for withdrawal during the savings period. Match funds are disbursed when you reach your savings goal and are paid directly to the appropriate vendor.

Eligibility Criteria

To qualify for an Individual Development Account (IDA) you must meet the following criteria:

  • Live in Contra Costa or Alameda County
  • Complete Financial Fitness Education Training
  • Have a credit score of 620 or above
  • Be at least 18 years of age (or will be 18 when you meet your goal).
  • Have less than $10,000 in assets per household (n/a for homeownership)
  • Meet the following annual income guidelines:
Income Guidelines if you are
saving for homeownership
Household Size Maximum Income
One $69,000
Two $78,850
Three $88,700
Four $98,550
Five $106,450
Six $114,350
Updated 3/2020
1st time homebuyer
down payment
edu and counseling
financial Fitness

The City of Vallejo Pre and Post Counseling Program

CHDC provides first time homebuyer and foreclosure intervention counseling to Vallejo residents who have low or very low income. Both types of counseling will improve the financial stability of program participants. Homeownership counseling will prevent unnecessary foreclosures, helps families learn how to budget, which helps to create the best possible chances for families to recover from foreclosure and create new homeowners who are prepared to protect and increase their assets.


If you’re a resident of Vallejo, or want to be a first time homebuyer in Vallejo, please download and complete CHDC’s First Time Homebuyer Intake Form (Intake Form in  English ) Submit a completed Intake Form and the requested documentation to, or fax to (510) 221-2598, bring to an orientation, or mail in advance to: 1535-A Fred Jackson Way, Richmond, Ca 94801




City of Vallejo pre or post purchase counseling


1535-A Fred Jackson Way


Richmond, CA 94801


For questions regarding the orientation or mortgage assistance program process, please call Karen Khomsonerasinh at (510) 412-9290.

Down Payment Assistance

The City of Vallejo offers down payment assistance loans up to $40,000 for households with low incomes purchasing their first home in Vallejo. Click on the City of Vallejo’s HOME-CDBG Guidelines below for program details.



Closing Cost Grants and Loans

The City of Vallejo offers closing cost grants up to 3% of the sales price. These grants are available to households who receive a down payment assistance loan from the City. The City of Vallejo also offers closing cost loans up to 3% of the sales price for households not receiving down payment assistance loans. Contact the City of Vallejo for more information regarding this program.