The City of Alameda offers a variety of housing assistance programs for renters, homeowners, and first time homebuyer. For most programs, participants must meet income eligibility criteria. Click here for current income limits. (06/11)
Help is available for households who are having trouble making mortgage payments, at risk of foreclosure, or already in the foreclosure process. Click here for www.makinghomeaffordable.gov. (04/09)
Public Service Announcement from Keep your Home California. This announcement will start on it's own.
Workshop information is forthcoming. Please check back soon.
The next Alameda workshops are scheduled for:
Downpayment Assistance Loans - Now Available
The Downpayment Assistance Program offers generous financial assistance to first time homebuyers looking to purchase a home in Alameda. The program provides loans from $50,000 to $80,000 and is available to households with a wide range of incomes. Eligible uses of program funds include downpayment and/or closing costs for the purchase of a single family residence anywhere in Alameda.
The Mortgage Credit Certificate Program (MCC) is a federal program that helps first-time homebuyers to qualify for mortgage loans. MCCs give homebuyers a “dollar for dollar” tax credit against federal income taxes equal to up to fifteen percent (15%) of annual mortgage interest. By effectively reducing monthly mortgage payments, MCCs give homebuyers greater ability to qualify for and support a mortgage loan. Program participants are subject to limits on maximum household income and maximum home purchase price. If the home buyers’ tax liability is lower than their available MCC tax credit, they can carry forward the unused tax credit for three additional years.
The MCC program for the City of Alameda is administered by the Alameda County Housing and Community Development Department. The County has administered the MCC program since 1989, assisting home buyers in traditionally high-cost housing markets throughout Alameda County. Since 1994, 110 households have been assisted through the MCC program in the City of Alameda. From 1999 through 2003, seven Alameda households were assisted through the Alameda County MCC for more information about the MCC program, or to obtain a list of participating lenders, contact the Alameda County Housing and Community Development Department office at (510) 670-5246, or visit their website at http://www.acgov.org/cda/hcd/mcc_program/index.htm. (06/10)Rental Housing Programs and Related Services:
Rehabilitation Programs:Minor Home Repair Program
The Minor Home Repair Program provides grants of up to $1,000 for emergency repairs to health, safety and security items, or minor repairs of carpentry, plumbing, heating, and electrical items. This program is available to low-income Alameda homeowners on a first-come, first-served basis. For more information, send an E-mail or contact the City’s Economic Development Department at (510)747-6890. (02/10)Housing Rehabilitation Program
The Rental Rehabilitation Program provides loans at 2% interest to landlords who rehabilitate rental property in Alameda. The majority (at least 51%) of the households in the structure must be low income, and the majority of the units must be two-bedrooms or larger with rents not in excess of Alameda fair market rents. Per unit loan amounts are based on unit size. For more information, send an E-mail or contact the City’s Economic Development Department at (510)747-6890. (02/10)Substantial Rehabilitation Program
The City of Alameda is a member of the Alameda County Lead Poisoning Prevention Program. This Joint Powers Agency is partially funded by a $10/per unit assessment on residential units constructed before 1978. The Program provides information and technical assistance to prevent lead poisoning and reduce residential lead hazards such as lead-based paint, soil and dust. People of all income levels are eligible for free lead paint test kits, environmental testing, abatement planning, and referrals for blood lead screening. For more information, please contact the information hotline at 1-800-B-Lead-Safe, or visit their web site at: www.aclppp.org. (12/21/2000)Emergency Shelter
The Midway Shelter in Alameda offers emergency shelter, job readiness and housing placement assistance, and counseling for women and children. For more information on obtaining shelter or to volunteer at Midway, or for referrals to other Alameda County shelters for men, women, or children, call 1-866-A-WAY-OUT.
The Family Violence Law Center is a nonprofit organization providing legal support and crisis intervention services for victims of domestic violence and their children. They offer 24-hour telephone crisis counseling, including coordination with collaborating shelters to facilitate immediate placement when possible. The Center is contracted by the City to provide legal counseling and accompany victims to court to secure restraining orders. For more information, call (510) 540-5370. (8/7/03)Fair Housing and Housing Counseling
The City of
Alameda is committed to affirmatively furthering fair
housing. ECHO Fair Housing is contracted by the City to
counsel tenants and landlords on their rights and
responsibilities, mediate landlord / tenant disputes, and
investigate complaints of housing discrimination. For more
information, call (888) 887-3246. Also check your local
branch of the Alameda Free Library for a copy of California
Tenants: A Guide to Residential Tenants’ and Landlords’
Rights and Responsibilities or go to:
To view a list of resources for renters, click here. (02/09)
2-1-1 is a free, non-emergency phone service that provides easy and confidential access to housing, health, and services information. The 2-1-1 service is managed by Eden I & R and offers multi-lingual capabilities.
Also available - Individuals and families with housing questions can call the County's Community Housing and Information Network line at 2-1-1 or (888) 886-9660 from outside Alameda County. www.edenIR.org. (02/09)
For the City of Alameda housing services page, click here.