Community Development DepartmentHousing and Human Services

Mortgage Assistance Programs

  • City of Livermore CalHome Mortgage Assistance Program- (A loan up to $55K - for up to low-income households - 80% AMI). You may now combine the CalHome MAP with the City MAP for a combined assistance amount up to $95,0000.  Espanol
  • City of Livermore Mortgage Assistance Program - (A loan up to $60K - 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).
  • If you were unable to attend the Informational Workshop for First-Time Homebuyers on March 5, 2015, but are interested in attending a Workshop in the near future, please email us at and we will be happy to add you to the list of interested persons. To view the slideshow presentation please click here.

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

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.

CalHome Mortgage Assistance Program (CalHome MAP) and the City Mortgage Assistance Program (City MAP) may now be combined for a total of up to $95,000 in mortgage assistance for Low-income Households.

Loan Documents

City of Livermore 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 City MAP loan of up to $60,000, at 3% simple interest and structured between two promissory notes.

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):

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

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