First Time Homebuyer Loan Program

City of Dublin First Time Homebuyer Loan Program (FTHLP)


The FTHLP provides financial assistance in the form of a deferred loan, for income-qualified first-time homebuyers who are in the process of buying a home in Dublin.

Loan Features


Loans are available for both market rate and below market rate (BMR) homes. Key features include:
Term
BMR Homes
 Market Rate Homes
Loan Amount
 Up to 15% of the purchase price,
with a maximum of $40,000
 Up to 10% of the purchase price,
with a maximum of $40,000
Interest Rate
 3.5% simple interest
Loan Term
 30 years, deferred payment

Eligibility Requirements

Household eligibility requirements include but are not limited to:
Requirement Description
Maximum Income
 Total household income must be at or below the current moderate-income level. The
maximum income is established annually and is adjusted for household size. For 2021,
the maximum incomes are:
 
  • 1-person: $105,500      
  • 2-person: $120,550
  • 3-person: $135,650
  • 4-person: $150,700
  • 5-person: $162,750
  • 6-person: $174,800
  • 7-person: $186,850
  • 8-person: $198,900
First-Time Home Buyer
 No member of the household may have owned real property for the past three years.
Down Payment
 Applicants must provide a minimum of 3.5% of the sales price as a down payment.
Primary Loan Qualification
 Applicants must be pre-approved for a primary loan that conforms to City requirements (30 or 40 year fixed-interest). The City's FTHLP loan will be secondary to this primary loan.

Review the FTHLP Program Guidelines for more information.

How to Apply


To apply for the FTHLP, contact the City of Dublin Housing Division 925-833-6610 or by email for a link to our online application similar to the  application packet. 

First Time Homebuyer Loan Program Agreements - Below Market Rate Properties

*
*For market rate FTHLP agreements, contact the City of Dublin Housing Division.

For More Information
Contact the Housing Division at 925-833-6610 or submit a question or comment.
  • The program offers shared appreciation loans of up to $150,000 to first-time homebuyers who live in, work in, or have been displaced from Alameda County.
  • Application deadlines apply, so learn more TODAY or submit your pre-application at www.acboost.org or call (510) 500-8840. Applying for AC Boost is free, fast, and simple! 
  • The program offers shared appreciation loans of up to $150,000 to first-time homebuyers who live in, work in, or have been displaced from Alameda County.
  • Application deadlines apply, so learn more TODAY or submit your pre-application at www.acboost.org or call (510) 500-8840. Applying for AC Boost is free, fast, and simple! 

    • AC Boost - Alameda County’s Down Payment Assistance Program

    AC Boost provides financial assistance to middle-income working households to purchase a home in Alameda County. The program offers shared appreciation loans of up to $210,000 to first-time homebuyers who live in, work in, or have been displaced from Alameda County.

    Are you a First Responder or an Educator (including public school employees and childcare providers) in Alameda County? If yes, you may have double the chance to access AC Boost funds!

    Application deadlines apply, so learn more TODAY or submit your pre-application at www.acboost.org or call (510) 500-8840.