First Time Home Buyers
Interested in Buying a Home in Union City?
We understand that buying a house for the first time can be stressful and challenging, but we hope that the resources below can assist you in your efforts to afford a down payment and secure your first home loan. You can take a look at our First Time Home Buyers Programs Informational Handout for a list of resources available. Below is some additional information on first time home buyer assistance.
First Mortgage & Down Payment Assistance
The California Housing Finance Agency (CalHFA) offers several First Mortgage and Down Payment Assistance Programs. Call 877-922-5432 for more information.
Habitat for Humanity - East Bay/Silicon Valley
Habitat for Humanity East Bay/Silicon Valley provides opportunities for affordable home ownership and pre-purchase counseling.
East Bay Office:
Oakland, CA 94612
Phone: (510) 251-6304
Fax: (510) 251-6309
Silicon Valley Office:
Sobrato Center for Nonprofits
513 Valley Way
Milpitas, CA 95035
Phone: (408) 942-6444
Fax: (408) 942-6446
Mortgage Credit Certificate Program
Alameda County's Housing and Community Development Department (HCD) runs the Mortgage Credit Certificate (MCC) Program throughout the County. MCC provides income eligible, first-time homebuyers with an opportunity to reduce the amount of federal income tax otherwise due by an amount equal to 15% of the mortgage interest payments as a dollar for dollar credit on their annual taxes. The remaining 85% can be taken as the usual allowable deduction of the itemized return. The result increases the household's overall income and ability to qualify for a mortgage loan. The federal income tax advantage provided by the MCC allows the income qualified, first-time homebuyers the opportunity to obtain a higher 1st mortgage.
Housing & Community Development (HCD)
224 W. Winton Ave., Suite 108 Hayward, CA 94544
For hearing impaired call: (510) 265-0253
Home Buyer Education & Pre-Purchase Counseling
Eden Council for Hope & Opportunity (ECHO) provides pre-purchase counseling for new homebuyers
You can reach them at:
770 A Street
Hayward, CA 94541
855-ASK-ECHO toll free
Project Sentinel provides home buyer education classes and mortgage counseling.
You can reach them at: