Deferred second loan
City of Oakland First-Time Homebuyer Program
First-time homebuyers · New construction · Income limits · Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
Down payment assistance · Alameda County
Buying a home in Oakland, CA
2 Oakland programs, 6 county programs and 54 statewide.Oakland has 2 programs of its own, 6 more across Alameda 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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Only for Oakland addresses
Oakland’s own programs
Shared-appreciation loan
Oakland Community Land Trust (OakCLT) - Homeownership Program
First-time homebuyers · New construction · Income limits · CLT resale-restricted single-family or condominium
Anywhere in AlamedaAnywhere in Alameda County
6 county programs6 county programs a Oakland homebuyer can also use
- AC Boost - Alameda County Down Payment AssistanceUp to $210,000
- GSFA Platinum Grant - Alameda County SpecificGrant
- Habitat for Humanity East Bay/Silicon Valley - Homeownership ProgramGrant
- Habitat for Humanity Tri-ValleyGrant
- Housing Trust Silicon Valley - Home Access Program (Alameda/Contra Costa)Deferred
- Northern California Land Trust (NCLT) - Bay Area CLT HomeownershipAssistance
7 more programs are for homes in Berkeley, Dublin, Emeryville, Hayward, Livermore, Pleasanton and San Leandro. See them 7 programs in neighboring cities — for homes inside those cities, not Oakland
- Berkeley — City of Berkeley First-Time Homebuyer Down Payment Assistance
- Dublin — City of Dublin First Time Homebuyer Loan Program (FTHLP)
- Emeryville — City of Emeryville First Home Emeryville Down Payment Assistance Program
- Hayward — City of Hayward First-Time Homebuyer Program
- Livermore — City of Livermore First-Time Homebuyer Assistance
- Pleasanton — City of Pleasanton First-Time Homebuyer Program
- San Leandro — City of San Leandro Down Payment Assistance
The Oakland marketThe Oakland housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Oakland
- 41.5% single-familysingle-family
- 4.8% townhousetownhouse
- 17.1% 2–4 units2–4 units
- 35.9% 5+ unitscondo & apartment buildings (5+ units)
- 0.6% mobile & othermobile home & other
Condos count. 6 of Oakland’s 8 local and county programs accept condos. Habitat for Humanity East Bay/Silicon Valley - Homeownership Program lists habitat-built single-family home. Habitat for Humanity Tri-Valley lists habitat-built single-family home.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Oakland’s homes were built
pre-19401970s2020+
76.7%
of Oakland 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, Alameda County, 4-person household (2026)
$101,600
Oakland median household incomeMedian household income in Oakland (Census, 2024)
58 of the 124 programs here set their income limit as a share of Alameda County’s area median income, adjusted for household size. See the published limits for Alameda County
Free help nearbyFree help near Oakland
17 HUD-approved counseling agencies within 15 miles17 HUD-approved housing counseling agencies within 15 miles
7 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.7 of the 8 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
Oakland questions
Does Oakland have its own down payment program?
Yes, 2: City of Oakland First-Time Homebuyer Program and Oakland Community Land Trust (OakCLT) - Homeownership Program. Each is for homes inside Oakland.
Can I use assistance on a condo in Oakland?
6 of Oakland’s 8 local and county programs accept condos. Habitat for Humanity East Bay/Silicon Valley - Homeownership Program lists habitat-built single-family home. Habitat for Humanity Tri-Valley lists habitat-built single-family home. 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 Alameda County?
Each program sets its own. 58 of the programs here set theirs as a share of HUD’s area median income for Alameda 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 Oakland?
HUD-approved housing counseling agencies teach homebuyer classes, and 17 agencies are within 15 miles of Oakland. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
94601 · 94602 · 94603 · 94604 · 94605 · 94606 · 94607 · 94609 · 94610 · 94611 · 94612 · 94613 · 94614 · 94615 · 94617 · 94618 · 94619 · 94621 · 94622 · 94623 · 94624 · 94625 · 94626 · 94627 · 94643 · 94649 · 94659 · 94660 · 94661 · 94666
Nearby in Alameda
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.