First Time Home Buyer Programs

Pleasanton Down Payment Assistance Loan Program (PDALP)

In 2004, the City introduced the Pleasanton Down Payment Assistance Loan Program (PDALP). The program currently provides up to $100,000 in down payment assistance for potential first-time homebuyers whose household income does not exceed 120% of the Area Median Income. Assistance is in the form of a 30-year/0% interest loan with no required monthly payment as long as the homeowner occupies the home.  The DPA loan is also structured as a "Shared Appreciation Loan" with the principal balance amount plus a share of the appreciation becomes due at the end of the 30-year term or when the homeowner sells or transfers the property. 

Buyers are responsible for obtaining a first mortgage with a CalHFA-approved lender at a fixed interest rate with no negative amortization, balloon payment or adjustable rate features.  

Bay Area Affordable Homeownership Alliance (BAAHA) is the City's new DPA Program administrator.  You can contact BAAHA at or at 800-480-9020.

To be notified of homeownership opportunities, please sign up on the City's "INTEREST LIST" by clicking here.

Lottery Application Period is now closed.

Other Financing Programs

Additional assistance has sometimes been available through the Mortgage Credit Certificate (MCC) program administered by the Alameda County Housing and Community Development Department (HCD). Through the MCC program, eligible home buyers can receive a credit on their annual taxes to lower their monthly housing payment.


AC Boost - Alameda County

Down Payment Assistance Program  


Down Payment Assistance is available through AC Boost!


AC Boost, Alameda County’s Down Payment Assistance Program, offers shared appreciation loans of up to $210,000 to first-time homebuyers who live in, work in, or have been displaced from Alameda County. Limited preference for First Responders and Educators (including public school employees and childcare providers).

Of the $45 million available for direct loans to AC Boost homebuyers, the program has already originated over $9 million in loans helping over 70 households buy their first home in Alameda County with an affordable mortgage.

AC Boost is funded by Alameda County Measure A1 and administered by nonprofit organization Hello Housing.



Learn more at, email, or call (510) 500-8840

Check out the AC Boost flyer!


Preparing for Homeownership

ECHO Housing offers classes on how to find, qualify for, and buy a home as well as debt and financial education and counseling. You can also obtain information about down payment assistance, first-time homebuyer programs, housing counseling, mortgage products and more.

The City will be publicizing future home purchase opportunities (new homes as well as the resale of existing PHAP homes) through Hello and ECHO Housing. Those interested in staying informed about future ownership housing opportunities sponsored by the City of Pleasanton should contact these agencies and click Interest list to be notified of the City's future affordable housing opportunities.


Pleasanton Housing Costs

Pleasanton is located in an area of high housing costs typical of the San Francisco Bay Area. The Bay East Association of Realtors ® maintains up-to-date information on sales prices for existing homes.


Homes at Below-Market Prices

In 1992, the City introduced the Pleasanton Home Ownership Assistance Program (PHAP) to assist first-time home buyers in overcoming the obstacle of high local housing costs to be able to purchase homes in Pleasanton. Working with local housing developers, over 120 below-market priced homes have been constructed to date.

The purchase of PHAP homes has generally been restricted to owner-occupant, first-time home buyers. To ensure continued affordability over time, PHAP homes include restrictions controlling the maximum sale price and maximum income of subsequent buyers when the homes are resold.

PHAP homes represent a variety of housing types which have been sold at several different affordability levels.

  • Contact BAAHA to be notified about future application processes.
  • Contact ECHO Housing and/or to enroll in the required First-time Homebuyer Education Class and to get prepared for a BMR home purchase.