UPDATE: Alameda Housing Authority and Hello Housing are not accepting applications to the DPA program at this time. 

What is the Alameda Down Payment Assistance (DPA) Program?

It is a second mortgage loan program to assist qualified low-and moderate-income individuals with the purchase of their first home.

What are the maximum income limits and DPA loan amounts?

Households earning at or below 80% of the Area Median Income are eligible for up to an $80,000 loan. Those earning between 81% and 120% of the Area Median Income are eligible for up to a $50,000 loan. Take a look at the chart shown here to see who qualifies. Actual loan amounts are determined by borrower’s financial need.

Who is eligible for a loan?

Borrower must be a first time homebuyer, which is a household that has not owned a Principal Residence within the past three years. Borrowers must be able to qualify for a first mortgage from a participating lender. Other restrictions apply. For a list of program parameters, click here.

What homes are eligible for purchase?

Homebuyers may purchase an existing single-family detached home, condominium, or townhouse located anywhere within Alameda City Limits.

What are the loan terms?

  • The loan is a zero-interest, 15-year loan. Loan payments are deferred, with the loan being due at the end of 15 years, or earlier if the house is sold or transferred.
  • Instead of paying interest on the loan, the homebuyer will owe the City a portion of the increased value of the home at the time the loan is paid back. This is called a Shared Appreciation loan. If the loan is repaid within five years, there is no interest or share of the appreciation due and the Homebuyer only has to pay back the principal.
  • A $500 fee is due upon closing of the loan in order to cover a portion of the costs associated with loan processing, review, underwriting, and the preparation on loan documents. In addition the homebuyer will be required to pay a small fee equal to the City’s loan set-up costs. Both fees will be paid with other closing costs through escrow.

Inclusionary Housing

The Down Payment Assistance Loan Program may be used in conjunction with affordable units generated through the Inclusionary Zoning Ordinance to purchase a new below market rate home.

Are there any other requirements?

  • Borrowers must attend a HUD-certified Homebuyer Counseling Workshop. Click here for a list of Counseling Agencies that offer the required certificate.
  • A home purchased under the Down Payment Assistance program must be, and remain, the borrower’s principal place of residence. The property cannot be leased or rented during the term of the City loan.
  • Funds are limited. Assistance is provided on a first-come, first-served basis, as long as funds remain available.

Provisions for persons with disabilities

If any person with an interest in participating in a Community Development Block Grant (CDBG) / HOME program is a person with a disability as defined by Section 504 of the Rehabilitation Act of 1974 and requires an accommodation to participate or take interest, a request for accommodation may be made to Lisa Fitts, (510) 747-4349 or email lfitts@alamedahsg.org. Such request shall include a description of the accommodation sought, along with a statement of the impairment that necessitates the accommodation. Any request for accommodation shall be reviewed and a response provided within five business days of receipt of such request. Notice of any accommodation granted will be promptly provided to the requester. Please contact the City at (510) 747-4349 (Voice), (510) 522-8467 (TDD), or email lfitts@alamedahsg.org to request any other reasonable accommodations that may be necessary. The CDBG/HOME Section 504 coordinator is Tonya Schuler-Cummins, who can be reached at (510) 747-4342 or tschuler@alamedahsg.org. A copy of the 504 grievance procedure can be found online at www.alamedahsg.org.

Program Income Limits (effective 2014)

Number of
People in
Income Limit at 80% AMI
(max loan of $80K)
Income Limit at 120% AMI
(max loan of $50K)
1 $47,350 $77,300
2 $54,100 $88,300
3 $60,850 $99,350
4 $67,600 $110,400
5 $73,050 $119,250
6 $78,450 $128,050
7 $83,850 $136,900


Interested? Here are some resources to help you get started

APPLY NOW: Down Payment Assistance Loan Application

Lender Instructions

Alameda County Mortgage Credit Certificate Program (MCC)


Stay Connected for announcements about the upcoming lotteries for new affordable homes in Alameda.


Matt Franklin, CEO of MidPen Housing and President of Hello Housing, believes everyone deserves quality, affordable housing.

Michelle is a proud new homeowner who purchased a Hello Housing NSP home in San Lorenzo.

Board Member Rick Jacobus is a national expert using data, not anecdote, to design more impactful affordable homeownership programs.

Mardie Oakes, Executive Director, blends finance, design and development to make places people thrive.

Jennifer Duffy, Director of Business Development, turns opportunity into action with the Hello Housing team.

Apple lives in a new type of housing made possible by Senate Bill 962, sponsored by former Senate pro Tem Darrell Steinberg.

Larry shares a duplex with two housemates in an innovative residential program called the Family Teaching Model.

Tien is a proud new owner of an affordable home in Newark, as well a box full of tools to make home repairs easy.

Matt Warner, Program Director for Hello Stewardship, makes affordable homeownership happen.