hey prescott.
See what you qualify for

City of Brentwood First Time Homebuyer Down Payment Assistance Program (DAP)

Brentwood, California

Last verified
See what you qualify for
Price cap

$600,000

Highest purchase price the program allows

Repayment

Deferred

No payments until the home is sold or refinanced

What is City of Brentwood First Time Homebuyer Down Payment Assistance Program (DAP)?

City of Brentwood First Time Homebuyer Down Payment Assistance Program (DAP) is a deferred second loan for homebuyers in Brentwood, California.

  • Tiered-interest deferred loan. Interest 7% / 5% / 3% — starts higher, decreases the longer borrower lives in the home.
  • Deferred-payment loan up to $10,000 for first-time homebuyers purchasing in Brentwood city limits. First-come, first-served. Conventional fixed-rate first mortgage required.
  • Funding comes from City of Brentwood Housing Division.

Do you have to pay it back?

City of Brentwood First Time Homebuyer Down Payment Assistance Program (DAP) is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off.

  • Repayment is triggered by sale, refinance, or change of primary residence.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

City of Brentwood First Time Homebuyer Down Payment Assistance Program (DAP) is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course, through Required - HUD-approved homebuyer education
  • Sourced via Homebuyer Wallet (CA20250003). Borrower must contribute >= 3% of purchase price from personal funds. Must be first-time homebuyer (no California ownership in prior 3 years). Conventional fixed-rate loan in 1st position only.

The program excludes

  • Purchases above the $600,000 price cap

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

City of Brentwood First Time Homebuyer Down Payment Assistance Program (DAP) sets its income limit as follows: Annual household income at or under 120% of AMI (Contra Costa County).

  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

City of Brentwood First Time Homebuyer Down Payment Assistance Program (DAP) caps the purchase price at $600,000.

  • Eligible property types include Single-family, Condo, Townhouse.

Where does it apply?

City of Brentwood First Time Homebuyer Down Payment Assistance Program (DAP) serves buyers purchasing in Brentwood, California.

How do you apply?

Applications for City of Brentwood First Time Homebuyer Down Payment Assistance Program (DAP) go through the administering agency.

  1. Take a homebuyer education course

    Required by the program, through Required - HUD-approved homebuyer education.

  2. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

Find my programs