Downpayment Assistance Programs

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The City of Livermore's Down Payment Assistance (DPA) Loans provide a second mortgage loan for first time homebuyers who desire to live in the City of Livermore. These loans provide down-payment and closing cost assistance for low- to moderate-income households.

Down Payment Assistance (DPA) Loans

CalHome Loan

Income Limit: 80%AMI

Max Loan Amt: $60K

Interest: 3% simple

Term: Deferred payments for 30 years

BEGIN Loan

Income Limit: 120%AMI

Max Loan Amt: $30K

Interest: 3% Simple

Terms: Deferred payments for 30 years

MAP Loan

Income Limit: 120% AMI

Max Loan Amt: $60K

Interest: 3% simple

Terms: Amortized payments for 20 years

How do I calculate my Income?

1. Determine you household size. Include all members regardless of age who will be living with you.

2. Add up the monthly gross income for all household members 18 years and older, then multiply by 12. This gives you your annual household income. Without going over amounts, use the income eligibility chart to determine which AMI income category your household fits into.

Please note: Final determination of income will be determined by the program administrator.

Can the loan be used to pay for closing costs?

Does the home have to be in Livermore?

Can I apply for a DPA Loan when purchasing a BMR home?

How do I apply?

Other Down Payment Assistance Programs

ACBOOST offers up to $210K in down payment assistance.

CalHFA offers affordable First Mortgages, down payment and/or closing cost assistance.

Provides first-time homebuyers with a federal income tax credit which increases their ability to qualify for a mortgage. The amount of the tax credit is equal to 10% or 15% of the homebuyer’s annual mortgage interest paid.

The program provides eligible homebuyers with $25,000 to use toward down payment and/or closing costs. The NeighborhoodLIFT® program, a collaboration between Wells Fargo and NeighborWorks® America.