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Mortgage Assitance Program

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Snippets of Homebuying

The City of Livermore's Mortgage Assistance Program (MAP) provides a second mortgage loan for first-time homebuyers who desire to live in the City of Livermore. The MAP provides mortgage and closing cost assistance for first-time homebuyers, who do not exceed the 120% AMI income limits. The City MAP maximum loan amount is $60,000, at 3% simple interest, amortized over 20 years.

CalHome Mortgage Assistance Program (CalHome)

The CalHome mortgage assistance program provides loans up to $60,000 for first-time home buyers earning up to 80% AMI. The loan is a deferred payment loan for 30 years, with a 3% interest rate. Funding is limited, please call Hello Housing at 415.481.3116 for availability.

BEGIN Mortgage Assistance Program (BEGIN)

The BEGIN mortgage assistance program provides loans up to $30,000 for up first-time home buyers earning up to 120% AMI. The loan accrues 3% simple interest, annually, with deferred payments (no payments required) for 30 years. Funds are limited, please call Hello Housing at 415.481.3116 for funding availability.

What are the Program Requirements?

The program requirements are very similar to the Affordable Homeownership Program requirements. View the MAP Program Guidelines here. View the CalHome & BEGIN Program Guidelines here.

Application Process

Applicants must submit a complete application to:

City of Livermore, c/o Hello Housing, 1242 Market Street, 3rd Floor, San Francisco, CA 94102, at least four weeks prior to their scheduled close of escrow. For more information visit or contact Zoe McGeary, Program Manager with Hello Housing at, by phone at (415) 481-3116.


If you or your client are existing borrowers of one of the City of Livermore's mortgage assistance programs and are interested in refinancing the first mortgage, please contact Hello Housing for information. Hello Housing facilities all Subordination requests for the City. They can be reached at You may also review the Subordination Terms and Conditions.

Additional Financial Assistance Programs

California Housing Finance Agency (CalHFA):
First Mortgages, down payment and/or closing cost assistance

Mortgage Credit Certificate Program (MCC) - Alameda County
Mortgage Credit Certificate Program (MCC) This program provides first-time homebuyers with a federal income tax credit which increases their ability to qualify for a mortgage. The amount of the tax credit is equal to 10% or 15% of the homebuyer’s annual mortgage interest paid. The credit is taken annually as a dollar-for-dollar credit against the homeowner's federal income tax liability. This program is administered through Alameda County Community Development Department.

WISH & IDEA Programs
Down Payment Assistance – Both the WISH and IDEA programs provide a three-to-one match to down payment funds a homebuyer deposits toward purchase of a home, up to $15,000. The match is a forgivable loan. If the home is sold or refinanced the home before the end of a five-year “retention period,” a pro rata portion of the loan must be repaid; otherwise, at five years the loan is forgiven.

Down payment requirement - The WISH program requires that at least 1% of the home purchase price come from the buyer directly. The WISH program allows the buyer to obtain the $5,000 applied towards the $15,000 FHLB match to come from any source. In contrast, since the objective of the IDEA program is to encourage and reward savings toward a down payment, buyers are required to accumulate personal savings of at least $5,000 to able to use the maximum 3-to-1 matching loan of $15,000. Also, as with most loans, there will be closing costs associated with the loan and purchase of a property. The buyer should expect to pay between 2% to 3% of the property purchase price in closing costs.

HUD’s Section 8 Homeownership Voucher Program

Mortgage Assistance for Section 8 Voucher holders: If you are currently a participant in the Housing Choice Voucher program (Section 8) and receive rental assistance, your voucher may be used to assist with the purchase of a home. You may receive monthly assistance in meeting homeownership expenses. Please contact the Livermore Housing Authority (925) 447-3600 or visit their website at

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