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RCF Connects Down Payment Assistance - Contra Costa

RCF Connects Down Payment Assistance - Contra Costa is a grant for homebuyers in Contra Costa County, California.

Last verified

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
  • 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.

Where it applies

Contra Costa County’s homes

  • 67.5% single-family
  • 8.9% townhouse
  • 5.6% 2–4 units
  • 16.5% 5+ units
  • 1.5% mobile & 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

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  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 homebuyer can take it to a lender or housing counselor.

Questions about this program

What is RCF Connects Down Payment Assistance - Contra Costa?

RCF Connects Down Payment Assistance - Contra Costa is a grant for homebuyers in Contra Costa County, California. Grants up to $10,000 for first-time homebuyers in Contra Costa County. Focus on communities in Richmond area. Launched to support wealth-building and homeownership access. Up to $10,000 in assistance. non-repayable grant. Funding comes from Non-profit / Philanthropic.

How much assistance does it provide?

RCF Connects Down Payment Assistance - Contra Costa offers up to $10,000 in assistance. The program asks homebuyers to contribute 1% of purchase price (borrower minimum). The program can be combined with other assistance, subject to the rules of each. Amounts are the program's published maximums, not an offer — the administering agency determines any individual award.

Do you have to pay it back?

RCF Connects Down Payment Assistance - Contra Costa is structured as a grant, so it is not repaid. Repayment is triggered by None (grant). The assistance is recorded in N/A (grant - no lien) position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

RCF Connects Down Payment Assistance - 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?

RCF Connects Down Payment Assistance - Contra Costa sets its income limit as follows: Contact program provider for current income limits. 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?

RCF Connects Down Payment Assistance - 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?

RCF Connects Down Payment Assistance - Contra Costa serves homebuyers purchasing in Contra Costa County, California.

How do you apply?

Applications for RCF Connects Down Payment Assistance - 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.

Program terms are set by the administering agency and can change; confirm on the official site before you apply.