First Time Homebuyer Loan Programs

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:

TermBMR HomesMarket Rate Homes
Loan AmountUp 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 Rate3.5% 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. The
maximum income is established annually and is adjusted for household size. For 2023,
the maximum incomes are:
 
  • 1-person: $124,250      
  • 2-person: $142,000
  • 3-person: $159,750
  • 4-person: $177,500
  • 5-person: $191,700
  • 6-person: $205,900
  • 7-person: $220,100
  • 8-person: $234,300
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 3.5% 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 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 properties 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!