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.

To apply for Habitat for Humanity's home ownership program please contact Habitat for Humanity at: 510-803-3344 or email

East Bay Office:
2619 Broadway
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.

Alameda County
Housing & Community Development (HCD)
224 W. Winton Ave., Suite 108 Hayward, CA 94544
(510) 670-5246
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:

Fremont Office
39155 Liberty Street, Ste. D440
Fremont, CA 94538
Toll Free (888) 324-7468
(408) 720-9888 ext 8012