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.
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