First-Time Homebuyer Programs


  • SPLASH is a loan program that the San Pablo EDC created with the City
  • Shared appreciation loan that prioritizes teachers and first-responders
  • The loan may be up to 10% of the cost of the home not to exceed $50,000
  • Principal and appreciation are paid upon end of term of the loan, refinance or sale of the home.

For more information visit

WISH San Pablo Economic Development Corporation First-Time Homebuyer Loans 

  • WISH is the Federal Home Loan Bank of San Francisco’s Workforce Initiative Subsidy for Homeownership
  • Low-income households, individuals, and families may receive a 4-to-1 matching grant of up to $22,000; Provide $5,500 & receive $22,000
  • WISH grants can be applied to down payment and closing costs.
  • Must be owner-occupied residence for five (5) years for forgiveness

 For more information call 510-215-3200 or visit

Contra Costa County First Time Homebuyer Counseling 

Free counseling services available through ECHO Housing. For more information call 510-581-9380 or visit

Mortgage Credit Certification Program for First-Time Homebuyers

  • The MCC provides qualified first-time homebuyers with a federal income tax credit to reduce monthly mortgage payments.
  •  If interested, contact an approved lender available at

    • California Housing Finance Agency First-Time Homebuyer Loans
    • California Housing Finance Agency provides first-time homebuyer loans and down payment assistance