Beautiful Oakland California neighborhoods and Bay Area skyline with down payment assistance services
Oakland, Alameda County

Oakland Down Payment AssistanceUp to $200,000 Available

Helping Oakland buyers access down payment assistance through CalHFA MyHome and local Alameda County programs. Licensed NMLS #2055084 with Bay Area expertise.

Check Oakland AssistanceCall (949) 478-7641

Check Your Oakland Benefits

Free assistance check

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By submitting this form, you consent to receive automated text messages, calls, and emails from 21st Century Lending / Aditya Choksi at the number and email provided regarding your mortgage inquiry. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time. This is not a commitment to lend. Your information is secure and will not be shared with third parties. View our Privacy Policy.

NMLS #2055084 | Equal Housing Opportunity | Licensed in CA

Oakland Housing Market Insights

Key market data for buyers considering down payment assistance in Oakland.

$825,000
Median Home Price
$2,750
Average Rent
440,000
Population
41.3%
Homeownership Rate
22 days
Days on Market
+3.2%
YoY Appreciation
NMLS Licensed Loan Officer
VA Loan Specialist
NonQM Certified
CalHFA Approved Lender
Equal Housing Opportunity
NMLS
Licensed
Nationwide Multistate Licensing System
VA
Certified
Veterans Affairs approved lender
CalHFA
Approved
California Housing Finance Agency
Equal
Housing
Equal Housing Opportunity Lender

Aditya Choksi NMLS ID: | 21st Century Lending NMLS ID: |NMLS Consumer Access

Down Payment Assistance Programs for Oakland

Comprehensive assistance programs to help Oakland buyers overcome down payment barriers.

CalHFA MyHome Assistance Program

State-wide down payment assistance up to $150,000

  • Deferred payment loan
  • No monthly payments
  • Forgiven after 30 years
  • Income and price limits apply

Alameda County Programs

Local down payment assistance for Oakland residents

  • Up to $200,000 assistance
  • Local income guidelines
  • First-time buyer focus
  • Various program options

FHA 3.5% Down Programs

Federal Housing Administration loans with low down payment

  • Only 3.5% down payment
  • Gift funds allowed
  • Lower credit scores OK
  • Competitive rates

Conventional 3% Down

Low down payment conventional loans

  • Only 3% down payment
  • No income limits
  • PMI removable
  • Multiple lender options

Oakland Neighborhoods We Serve

Downtown Oakland
Lake Merritt
Temescal
Rockridge
Montclair
Grand Lake
Fruitvale
West Oakland
East Oakland
North Oakland
Piedmont Avenue
Chinatown
Jack London Square
Uptown
Adams Point
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Access Oakland Down Payment Assistance Today

Check Your Oakland Benefits

Free eligibility check

Required fields are marked with an asterisk (*)

By submitting this form, you consent to receive automated text messages, calls, and emails from 21st Century Lending / Aditya Choksi at the number and email provided regarding your mortgage inquiry. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time. This is not a commitment to lend. Your information is secure and will not be shared with third parties. View our Privacy Policy.

NMLS #2055084 | Equal Housing Opportunity | Licensed in CA

Why Choose Us for Oakland Down Payment Assistance?

  • Program Expert: Specialist in CalHFA and Alameda County assistance programs
  • Bay Area Knowledge: Deep understanding of Oakland neighborhoods and market dynamics
  • Maximum Benefits: Access to multiple programs to maximize your assistance up to $200,000