Home Access Program
Home Access Program is a 30-year deferred loan (no equity share) from Housing Trust Silicon Valley. Serves Alameda, Contra Costa. Up to $200,000 or Up to 40% toward a home purchase. For first-time buyers. Income limit: 80% AMI.
Up to $200,000 or Up to 40%
Listed as open as of April 10, 2026
Serves Alameda, Contra Costa.
| First-time buyer | Required |
|---|---|
| Income limit | 80% AMI |
| Minimum credit score | 640 |
| Maximum DTI | 48% |
| Homebuyer education | Required (8-hour HUD-certified course) |
| Property types | SFR, condo, townhome |
| Occupancy | Owner-occupied primary |
| Repayment | 0% int.; 30-yr; deferred; due on sale/refinance/term_end |
| Stacking | Stacks: calhfa-myhome, calhfa-zip |
| Amount notes | Up to $200,000 (up to 40% of purchase price) |
| Notes | Standout Bay Area program, NO equity share (unlike Dream For All / SF DALP). 80% AMI cap. Borrower contributes 3% min. HIGH priority for lender approval. |
| Phone | (408) 703-3837 ext. 301 |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: Housing Trust Silicon Valley · program details at the provider’s site.
See if Home Access Program fits your purchase
Tell Cal how to reach you and a licensed loan officer will walk through this program, what it stacks with, and what you would actually qualify for. No spam, no list-selling.
More California programs
-
Deferred Silent Second · Up to 3.5%
-
Deferred Closing Cost Assistance · Up to 4%
-
First Mortgage (for pairing with DPA) · Amount varies by program
-
First Mortgage (for pairing with DPA) · Amount varies by program
-
Deferred Silent Second · Up to 2.5%
-
Shared Appreciation Loan · Up to $150,000 or Up to 20%
-
Forgivable Loan · Up to 10%
-
Federal Tax Credit · Up to $2,000 or Up to 20%