RCF Connects Down Payment Assistance - Contra Costa
Assistance grant · New construction · Income limits
Down payment assistance · Contra Costa County
Buying a home in Discovery Bay, CA
3 county programs and 54 statewide.Discovery Bay has no program of its own, 3 across Contra Costa County, and 54 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Discovery Bay
No program of Discovery Bay’s own yet
No program run for Discovery Bay alone is listed. A home in Discovery Bay can use Contra Costa County’s programs below, plus the California statewide and federal ones.
The closest city that runs its own program is Brentwood, about 5 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in Contra CostaAnywhere in Contra Costa County
3 county programs3 county programs a Discovery Bay homebuyer can use
7 more programs are for homes in Antioch, Brentwood, Concord, Pittsburg, Richmond, Walnut Creek and San Pablo. See them 7 programs in neighboring cities — for homes inside those cities, not Discovery Bay
- Antioch — City of Antioch First-Time Homebuyer Assistance
- Brentwood — City of Brentwood First Time Homebuyer Down Payment Assistance Program (DAP)
- Concord — City of Concord First-Time Homebuyer Program
- Pittsburg — City of Pittsburgh (Pittsburg) Homebuyer Assistance
- Richmond — City of Richmond First-Time Homebuyer Program
- Walnut Creek — City of Walnut Creek First-Time Homebuyer Program
- San Pablo — San Pablo Economic Development Corporation San Pablo Loan Assistance for Sustainable Housing
The Discovery Bay marketThe Discovery Bay housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Discovery Bay
- 90.8% single-familysingle-family
- 7.7% townhousetownhouse
- 0.1% 2–4 units2–4 units
- 1.3% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. All 3 of Discovery Bay’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Discovery Bay’s homes were built
pre-19401970s2020+
14.3%
of Discovery Bay homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$162,800
County area median income, 4 people (HUD)HUD area median income, Contra Costa County, 4-person household (2026)
$147,117
Discovery Bay median household incomeMedian household income in Discovery Bay (Census, 2024)
52 of the 119 programs here set their income limit as a share of Contra Costa County’s area median income, adjusted for household size. See the published limits for Contra Costa County
Free help nearbyFree help near Discovery Bay
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.2 of the 3 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across California and nationwide
116 statewide & federal programs54 statewide programs, plus federal options
Discovery Bay questions
Does Discovery Bay have its own down payment program?
No program run for Discovery Bay alone is listed. A home in Discovery Bay can use the 3 programs that cover Contra Costa County and the 54 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Discovery Bay?
All 3 of Discovery Bay’s local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Contra Costa County?
Each program sets its own. 52 of the programs here set theirs as a share of HUD’s area median income for Contra Costa County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Discovery Bay?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Nearby in Contra Costa
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.