Community Housing Development Corporation (CHDC) CalHome DPA - Contra Costa
Community Housing Development Corporation (CHDC) CalHome DPA - Contra Costa is a deferred second loan for homebuyers in Contra Costa County, California.
The program asks for
- First-time homebuyer — the program sets its own definition
- The home is occupied as a primary residence
- On credit: Contact lender for current credit score requirements
- A completed homebuyer education course
- Residency: Property in Contra Costa County
- Citizenship or immigration status: U.S. citizen, permanent resident alien, or other eligible non-citizen
- A home in Contra Costa County
It doesn’t cover
- Manufactured homes
- Households above 80% of area median income
- Homes outside Contra Costa County
These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.
Income limit
80% of Contra Costa County’s area median income
HUD sets the area median income each year. The limit changes with household size, so a family of five has a higher limit than a single homebuyer.
Where it applies
Contra Costa County’s homesContra Costa County’s homes, and the ones this program accepts
- 67.5% single-familysingle-family
- 8.9% townhousetownhouse
- 5.6% 2–4 units2–4 units
- 16.5% 5+ unitscondo & apartment buildings (5+ units)
- 1.5% mobile & othermobile home & other
A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.
$866,800
Contra Costa County median home value
53.2%
built before 1980
U.S. Census Bureau, ACS 2024 5-year. More about buying in Contra Costa County
How to apply
How to applyThree steps, in this order
Take a homebuyer education course
Required by the program before funds are reserved.
Contact the administering agency to reserve funds
Funds are reserved through Contact provider directly; subject to funding availability, and are subject to availability.
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 homebuyer can take it to a lender or housing counselor.
Questions about this program
What is Community Housing Development Corporation (CHDC) CalHome DPA - Contra Costa?
Community Housing Development Corporation (CHDC) CalHome DPA - Contra Costa is a deferred second loan for homebuyers in Contra Costa County, California. 30-year deferred-payment second mortgages from State CalHome funds for first-time buyers in Contra Costa County. Income at or below 80% AMI. Administered per State HCD CalHome guidelines. no monthly payments on DPA. Funding comes from State CalHome.
Do you have to pay it back?
Community Housing Development Corporation (CHDC) CalHome DPA - Contra Costa 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, transfer, or non-occupancy. The assistance is recorded in Second position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.
Who qualifies?
Community Housing Development Corporation (CHDC) CalHome DPA - Contra Costa is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. On credit, the program states: Contact lender for current credit score requirements. A homebuyer education course is required. Residency requirement: Property in Contra Costa County. Citizenship or immigration status: U.S. citizen, permanent resident alien, or other eligible non-citizen.
What are the income limits?
Community Housing Development Corporation (CHDC) CalHome DPA - Contra Costa limits household income to 80% of the area median income, which varies by county and household size. Low income: household income ≤80% of Area Median Income (AMI). The limit applies to total household income, not only the borrower’s. The program lists a maximum household size of 8. 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?
Community Housing Development Corporation (CHDC) CalHome DPA - Contra Costa caps the purchase price as follows: Contact program for current purchase price limits. Eligible property types include Single-family (1-4 unit), FHA-approved condominium, townhome/PUD. New construction is eligible. Manufactured homes are not eligible.
Where does it apply?
Community Housing Development Corporation (CHDC) CalHome DPA - Contra Costa serves homebuyers purchasing in Contra Costa County, California.
How do you apply?
Applications for Community Housing Development Corporation (CHDC) CalHome DPA - Contra Costa go through the administering agency, which publishes the current terms and the application steps on its own site. Funds are reserved through Contact provider directly; subject to funding availability. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.
Also for Contra Costa County homebuyersOther programs open to Contra Costa County homebuyers
- RCF Connects Down Payment Assistance - Contra CostaUp to $10,000
- GSFA Platinum Grant - Contra Costa County SpecificGrant
- California Dream For AllUp to $150,000
Whether two programs can be combined is up to each agency. Ask before you apply.
All 108 programs for Contra Costa CountyProgram terms are set by the administering agency and can change; confirm on the official site before you apply.