Welcome to the first step in realizing your dream of homeownership.  The City of Fremont offers the following programs to eligible first time homebuyers to help them realize their dream of home ownership. Welcome Home Program Maximum loan: $40,000 Interest: Equity share (deferred until transfer or sale of property or end of loan term) Term: 45 years Property: Condo, town home, or single family residence located anywhere in Fremont

Welcome to the Neighborhood Program

• Maximum loan: $40,000
• Interest: Equity share (deferred until transfer or sale of property or end of loan term)
• Term: 45 years
• Incentive: $10,000 of the City's loan (or 25% of the actual loan amount- which ever is less) is forgiven as a dollar-for-dollar reimbursement for home improvements completed within the first seven years of home ownership
• Property: Condo, town home, or single family residence located in specific neighborhoods of Centerville, Irvington, or Niles

Moderate Income Homeownership Program (aka Below Market Price Homeownership Program)

• Maximum loan: No loan assistance
• Term: 30 years
• Property: Through the City's Affordable Housing Ordinance, brand new homes are offered at below market price (via a drawing) to eligible home buyer graduates.
• Below Market Price Homes for "Sale" 
• Upcoming Moderate Income Homeownership Lottery

 

      

Eligibility and Application Process                        Additional Information

Eligibility  Register for First Time Homebuyer Workshop

Graduate Information  Subordination Guidelines

Contact
For specific questions about the First Time Homebuyer Program, please contact the Office of Housing and Redevelopment by email.