Housing Resources

Contra Costa County Mortgage Credit Certificate Program  (MCC)

The MCC Program is a homebuyer assistance program. The MCC provides qualified first time homebuyers with a federal income tax credit. Income tax credits reduce an individual’s tax payment(s) by an amount equal to the credit. Under the MCC program, the maximum tax credit available is equal to 20 percent of the annual interest paid on the borrower’s mortgage. By reducing the borrower’s federal tax liability, the tax credit essentially provides additional income which can be used for mortgage payments. For more information, please visit: https://www.contracosta.ca.gov/4768/Mortgage-Credit-Certificate-Program

Contra Costa County Neighborhood Preservation Program (NPP)

The purpose of the NPP is to eliminate conditions that may be detrimental to health, life, property, and/or public welfare. To achieve this, NPP provides financial assistance to low-income homeowners for home rehabilitation projects. This support results in homes being brought up to current building codes, the elimination of blight, energy efficiency improvements, accessibility improvements, and the enhancement of older housing stock to promote future investment and the growth of economically integrated communities. For more information please visit the Contra Costa County Neighborhood Preservation Program Website at: https://www.contracosta.ca.gov/4334/Neighborhood-Preservation-Program

Eligibility 

You may be eligible for NPP if you have owned and lived in your Contra Costa County residence for at least 6 months and you meet the following criteria:

Household SizeIncome Not to Exceed
1$69,000
2$78,850
3$88,700
4$98,550
5$106,450
6$114,350
7$122,250
8$130,100

*income limits effective 4/2019

  • You do not live within the incorporated limits of the cities of Antioch, Concord, Pittsburg, or Walnut Creek;
  • Your home is in need of eligible rehabilitation work;
  • Your assets do not exceed $50,000 ($100,000 if over the age of 62 and/or disabled);
  • You have no involuntary liens (e.g. tax liens, construction liens, etc.) on title;
  • You have no more than 1 voluntary lien (e.g. mortgage) on title; and 
  • Your home is not in a FEMA-designated Special Flood Hazard Area (SFHA), where the National Flood Insurance Program’s floodplain management regulations are enforced.

First Time Homebuyers Resources

The County of Contra Costa maintains a number of resources to assist first-time homebuyers. For more information, please visit: http://www.cccounty.us/4807/Affordable-Housing

First-Time Home Buyer Counseling, Eden Council for Hope and Opportunity (ECHO) Housing

ECHO's First-Time Home Buyer Counseling provides one-on-one counseling on the homebuying process.  The Housing Counselor is responsible for reviewing all documentation collected from the potential homebuyers For more information, please visit: https://www.echofairhousing.org/first-time-home-buyer-counseling.html

Programs for Seniors

Programs provide assistance for needs specific to seniors or refer individuals to other assistance programs.

Contra Costa County Aging and Adult Services                                                               (800) 510-2020 (toll free) or (925) 229-8434
http://ehsd.org/elderly-disabled/information-assistance/

Meals on Wheels
(866) 669-6697 (toll free) or (925) 937-8311 or
www.mealsonwheelsofcontracosta.org or http://mowsos.org/

Fair Housing

If you think you've been turned away from renting or purchasing a house or apartment because of your race, national origin, gender, age, disability, family or marital status or sexual orientation, these programs may be able to help you. 

Fair Housing Services, ECHO
(855) ASK-ECHO (toll free)
https://www.echofairhousing.org/fair-housing-services.html

California Department of Fair Employment and Housing
(800) 884-1684 (toll free)
www.dfeh.ca.gov/ 

Bay Area Legal Aid
(925) 219-3325
https://www.baylegal.org/locations-2/contra-costa-county/

Housing Services for Persons with Disabilities

These programs provide information for individuals with disabilities seeking housing.

Independent Living Resource of Solano & Contra Costa County
 (925) 754-0539
www.ilrscc.org

Regional Center of the East Bay
(925) 691-2300
www.rceb.org

California Department of Developmental Services
(916) 654-1690
http://www.dds.ca.gov/

Landlord / Tenant Issues

These organizations provide information, counseling and mediation for tenant/landlord disputes.

Eden Council for Hope and Opportunity (ECHO)
(855) ASK-ECHO (toll free)
www.echofairhousing.org

Center for Human Development
Conflict Resolution and Mediation
(925) 687-8844
www.chd-prevention.org

Bay Area Legal Aid
(925) 219-3325
https://www.baylegal.org/locations-2/contra-costa-county/

Shelter, Inc.
(925) 335-0698
www.shelterinc.org

Tenants Together
 (415) 495-8100
http://www.tenantstogether.org/

California Housing Finance Agency (CalHFA)

First Mortgage Programs

CalHFA offers a variety of loan programs to help you  purchase  a home in California. For more information, please visit: https://www.calhfa.ca.gov/homebuyer/programs/index.htm

Down Payment Assistance Programs

The money you put "down" or the down payment on your home loan can be one of the largest hurdles for many first-time homebuyers. That's why CalHFA offers several options for down payment and closing cost assistance. For more information, please visit: https://www.calhfa.ca.gov/homebuyer/programs/index.htm       

California State Treasurer

3.3.8 Single-Family Mortgage Revenue Bonds 

Public agencies issue single family mortgage revenue bonds to assist home ownership. Local agency single family mortgage revenue bonds are issued by cities, counties, and JPAs under California Health and Safety Code Section 52000 et seq. Bond proceeds are used to make mortgage loans to first time home buyers who satisfy income requirements (generally family income of up of 100% of area median income for one and two person families and 115% of area median income for families of three or more) for the purchase of homes that satisfy purchase limit requirements (generally 90% of the “average area purchase price”). In federally designated targeted areas there is no first time home buyer requirement and income and purchase price limits are higher. For more information, please visit: https://debtguide-api.treasurer.ca.gov/guide-pages/chapter-3-types-of-debt-obligations-issued-by-public-agencies/3-3-types-of-debt-obligations-organized-by-security-and-source-of-payment/3-3-8-single-family-mortgage-revenue-bonds