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Emeryville First Time Homebuyer Loan Program

California

Available Assistance

The First Time Homebuyer Loan Program provides down payment assistance in the form of a low-interest rate, deferred payment loan. The interest is set at 75 percent of the first mortgage’s rate, or 5 percent—whichever is less. This payment is due upon sale, transfer, when the home no longer serves as the borrower’s primary residence, or in 30 years, whichever comes first. Borrowers must contribute at least 3 percent of the down payment themselves.

Eligibility Requirements

Applicants must in fact be first-time homebuyers, which means that those who have owned a home in the last three years do not qualify. There are exceptions to this rule if the applicants. Are single individuals or single parents who previously owned a house within the past three years with a previous spouse, Are employees of the City of Emeryville. Are employees in the Emery Unified School District, or Who previously owned a house with a domestic partner within the past three years but the domestic partnership has been terminated.

Property Guidelines

Any home being purchased must serve as the applicant’s primary residence. Occupancy limits or purchasing unit will be based upon Section 503(b) of the Uniform Housing Code, which specifies the minimum and maximum household size allowed based upon the number of bedrooms in a unit: Studio -- 1 to 2 persons1 bedroom -- 1 to 3 persons2 bedrooms -- 2 to 5 persons3 bedrooms -- 3 to 7 persons4 bedrooms -- 4 to 9 persons

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