First Time Homebuyer Loan Program


There are currently no funds available in the FTHLP Down Payment Assistance Program. Please check back in March 2026 for updates.

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. The program was updated on September 3, 2024. See the program flyer for the details.

Loan Features

Loans are available for both market rate and below market rate (BMR) homes. Key features include:

Loan AmountUp to 20% of the purchase price with a maximum loan amount of $100,000
Interest Rate3% simple interest
Loan Term30 years deferred payment


Eligibility Requirements

Household eligibility requirements include but are not limited to:

RequirementDescription
Maximum IncomeTotal household income must be at or below the current moderate-income level. 
Maximum income is established annually and adjusted for household size. The 2025
the maximum incomes are:
 
  • 1-person: $134,250    
  • 2-person: $153,400
  • 3-person: $172,600
  • 4-person: $191,750
  • 5-person: $207,100
  • 6-person: $222,450
  • 7-person: $237,750
  • 8-person: $253,100
First-Time Home BuyerNo member of the household may have owned real property for the past three years.
Down PaymentApplicants must provide a minimum of 3% of the sales price as a down payment. 
Primary Loan QualificationApplicants must be pre-approved for a primary loan that conforms to City requirements (30 years fixed-interest). The City's FTHLP loan will be secondary to the primary loan unless paired with another State, County, or governmental down payment assistance loan.


Review the FTHLP 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. FTHLP Application Packet for information purposes only.

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!