Community Development DepartmentHousing and Human Services

Mortgage Assistance Programs

  • An Informational Workshop will be held on Thursday, March 5, 2015 at 7:00 p.m.. All those interested in learning about the City's Homeownership Programs for First Time Homebuyers are welcome to attend. Seating is limited, please RSVP.
  • CalHome Mortgage Assistance Program - (A loan up to $55K - for up to Low-income households - 80% AMI) Espanol (Resumen)
  • Mortgage Assistance Program - (A loan up to $40K - for up to Moderate-income households - 120% AMI)
  • Tri-Valley Down Payment Assistance Program (TVDPA - is a loan up to $15K - for up to Moderate-income households - 120% AMI)
  • Mortgage Credit Certificate Program  A MCC provides income eligible first-time home buyers with an opportunity to reduce the amount of federal income tax they owe each year which increases their ability to qualify for a mortgage. This program is run through Alameda County Housing and Community Development Department (HCD).

The City of Livermore's Mortgage Assistance Programs provide a second mortgage loan for first time homebuyers who desire to live in the City of Livermore. The program is administered through the Housing and Human Services Division which works to maintain and expand housing opportunities for low and moderate-income households throughout the City. Purchasing a home in the City of Livermore is a wonderful choice, as Livermore is a community that cares about maintaining the character of its neighborhoods and enhancing the quality of life of its citizens.

If you would like to be notified in the future of affordable homeownership programs and opportunities, please add your contact information to the Affordable Homeownership Interest List. For additional information on the Mortgage Assistance programs, please contact the City's Housing Division at 925-960-4580 or by email at

FLYER - Summary of the CalHome and City Mortgage Assistance Programs qualifications and process.

CalHome Mortgage Assistance Program

The City's CalHome Mortgage Assistance Program provides mortgage and closing costs assistance to Low-Income, First Time Home Buyers looking to purchase a home in Livermore. The Loan, up to $55,000, is at 3% simple interest annually with deferred payments for 30 years. For complete details please see the Program Guidelines below.

Loan Documents

Mortgage Assistance Program (MAP)

The MAP provides mortgage and closing cost assistance for up-to moderate-income (120% AMI), first-time homebuyers purchasing a home in Livermore. The MAP loan of up to $40,000, is amoritized over 20-years at 3% simple interest and requires monthly payments.

Loan Documents

Tri-Valley Downpayment Assistance Program (TVDPA)

The TVDPA is a regional down payment assistance program for up to moderate-income, first-time homebuyers. It may be used for homes purchased in Danville, Dublin, Livermore, Pleasanton or San Ramon. The loan, up to $15,000 at 2.5% interest, is a 15 or 20 year loan, depending on annual household income, which offers deferred payments for years 1-5 and amortized monthly payments the remainder of the term.

Loan Documents


If you or your client are refinancing the first mortgage and would like to request the City to subordinate to the new first mortgage, please review the Subordination Terms and Conditions.

Additional Financial Assistance Programs:

California Housing Finance Agency (CalHFA):      Website:

First Mortgages; CHDAP (Down Payment/Closing Cost Assistance); School Facility Fee (for use with new construction homes only)

Mortgage Credit Certificate Program (MCC) - Alameda County      Website:

Mortgage Credit Certificate Program (MCC)
     This program 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 credit is taken annually as a dollar-for-dollar credit against the homeowner's federal income tax liability. This program is administered through Alameda County Community Development Department.

WISH & IDEA Programs

Down Payment Assistance – Both the WISH and IDEA programs provide a three-to-one match to down payment funds a homebuyer deposits toward purchase of a home, up to $15,000. The match is a forgivable loan. If the home is sold or refinanced the home before the end of a five-year “retention period,” a pro rata portion of the loan must be repaid; otherwise, at five years the loan is forgiven.

Down payment requirement - The WISH program requires that at least 1% of the home purchase price come from the buyer directly. The WISH program allows the buyer to obtain the $5,000 applied towards the $15,000 FHLB match to come from any source. In contrast, since the objective of the IDEA program is to encourage and reward savings toward a down payment, buyers are required to accumulate personal savings of at least $5,000 to able to use the maximum 3-to-1 matching loan of $15,000. Also, as with most loans, there will be closing costs associated with the loan and purchase of a property. The buyer should expect to pay between 2% to 3% of the property purchase price in closing costs.

For more information please contact the Tri-Valley Housing Opportunity Center at 925-373-3130

HUD’s Homeownership Voucher Program


Mortgage Assistance for Section 8 Voucher holders: If you are currently a participant in the Housing Choice Voucher program (Section 8) and receive rental assistance, you may use your voucher to help buy a home and receive monthly assistance in meeting homeownership expenses. Please contact the Livermore Housing Authority (925) 447-3600 or visit their website at

Additional Resources

U.S. Department of Housing & Urban Development (HUD)


Mortgage Calculator 


Education Classes and Workshops

First Time Homebuyer Education