Deferred second loan
San Pablo Economic Development Corporation San Pablo Loan Assistance for Sustainable Housing
First-time homebuyers · Income limits · Single-family, Condo, Townhouse
Down payment assistance · Contra Costa County
Buying a home in San Pablo, CA
1 San Pablo program, 3 county programs and 54 statewide.San Pablo has 1 program of its own, 3 more across Contra Costa County, and 54 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for San Pablo addresses
San Pablo’s own program
Anywhere in Contra CostaAnywhere in Contra Costa County
3 county programs3 county programs a San Pablo homebuyer can also use
6 more programs are for homes in Antioch, Brentwood, Concord, Pittsburg, Richmond and Walnut Creek. See them 6 programs in neighboring cities — for homes inside those cities, not San Pablo
- Antioch — City of Antioch First-Time Homebuyer Assistance
- Brentwood — City of Brentwood First Time Homebuyer Down Payment Assistance Program (DAP)
- Concord — City of Concord First-Time Homebuyer Program
- Pittsburg — City of Pittsburgh (Pittsburg) Homebuyer Assistance
- Richmond — City of Richmond First-Time Homebuyer Program
- Walnut Creek — City of Walnut Creek First-Time Homebuyer Program
The San Pablo marketThe San Pablo housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in San Pablo
- 45.1% single-familysingle-family
- 13.1% townhousetownhouse
- 11.7% 2–4 units2–4 units
- 25.2% 5+ unitscondo & apartment buildings (5+ units)
- 5% mobile & othermobile home & other
Condos count. All 4 of San Pablo’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When San Pablo’s homes were built
pre-19401970s2020+
64.1%
of San Pablo homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$162,800
County area median income, 4 people (HUD)HUD area median income, Contra Costa County, 4-person household (2026)
$79,478
San Pablo median household incomeMedian household income in San Pablo (Census, 2024)
53 of the 120 programs here set their income limit as a share of Contra Costa County’s area median income, adjusted for household size. See the published limits for Contra Costa County
Free help nearbyFree help near San Pablo
12 HUD-approved counseling agencies within 15 miles12 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.3 of the 4 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across California and nationwide
116 statewide & federal programs54 statewide programs, plus federal options
San Pablo questions
Does San Pablo have its own down payment program?
Yes, one: San Pablo Economic Development Corporation San Pablo Loan Assistance for Sustainable Housing, a deferred second loan for first-time homebuyers (income limits). It is for homes inside San Pablo.
Can I use assistance on a condo in San Pablo?
All 4 of San Pablo’s local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Contra Costa County?
Each program sets its own. 53 of the programs here set theirs as a share of HUD’s area median income for Contra Costa County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near San Pablo?
HUD-approved housing counseling agencies teach homebuyer classes, and 12 agencies are within 15 miles of San Pablo. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
94806
Nearby in Contra Costa
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.