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 home buyers.

For more information contact, Cherisse Baptiste at:
855-ASK-ECHO (toll free) 

Project Sentinel provides group and individual home buyer education classes. Register HERE for First Time Home Buyer Classes.

Milpitas Office
Sobrato Center for Nonprofits
554 Valley Way, Bldg 4, Suite 554
Milpitas, CA 95035
(408) 470-3730