RCF Connects Down Payment Assistance - Contra Costa
RCF Connects Down Payment Assistance - Contra Costa is a grant 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
- 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 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 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.
Also for Contra Costa County homebuyersOther programs open to Contra Costa County homebuyers
- Community Housing Development Corporation (CHDC) CalHome DPA - Contra CostaDeferred
- 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.