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Habitat for Humanity Tri-Valley

Alameda County, California

Last verified
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Income limit

60% AMI

Of area median income; varies by county and household size

Repayment

Grant

Not repaid

What is Habitat for Humanity Tri-Valley?

Habitat for Humanity Tri-Valley is a grant for homebuyers in Alameda County, California.

  • Habitat affiliate serving Livermore, Pleasanton, and Dublin area. Builds affordable homes with sweat equity and provides 0% interest mortgages.
  • Down payment and/or closing cost assistance.
  • Funding comes from Habitat/Donations.

Do you have to pay it back?

Habitat for Humanity Tri-Valley is structured as a grant, so it is not repaid.

  • Repayment is triggered by Sale or transfer.
  • The assistance is recorded in First position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Habitat for Humanity Tri-Valley 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
  • On credit: Contact lender for current credit score requirements
  • A completed homebuyer education course, through Habitat homebuyer education program (required)
  • Residency: Must occupy as primary residence
  • Citizenship or immigration status: U.S. citizen, permanent resident alien, or other eligible non-citizen
  • Must complete 300-500 hours of sweat equity; income 30-60% AMI; no credit/criminal history that would impair ability to repay; 0% interest mortgage; below-market purchase price

The program excludes

  • Manufactured homes
  • Households above 60% of area median income

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?

Habitat for Humanity Tri-Valley limits household income to 60% of the area median income, which varies by county and household size.

  • Low income: household income ≤60% 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?

Habitat for Humanity Tri-Valley caps the purchase price as follows: Contact program for current purchase price limits.

  • Eligible property types include Habitat-built single-family home.
  • New construction is eligible.
  • Manufactured homes are not eligible.

Where does it apply?

Habitat for Humanity Tri-Valley serves buyers purchasing in Alameda County, California.

How do you apply?

Applications for Habitat for Humanity Tri-Valley go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Habitat homebuyer education program (required).

  2. Contact the administering agency to reserve funds

    Funds are reserved through Contact provider directly; subject to funding availability, 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.

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