Bay Area Affordable Homeownership Alliance

Make certain to read and understand all the information provided on this webpage prior to submitting your AHOP application. Assess if you are ready, eligible, and have the financial capacity to participate in AHOP prior to submitting your application.

You are required to have homebuyer education certificate prior to submitting your AHOP application. Secure your homebuyer education as soon as possible. The more you understand about the purchase process, the better equipped you will be to make key decisions and to move forward with the purchase of your home. You must complete your homebuyer education course prior to submitting an application. A list of Homebuyer Education providers can be found on the BAAHA webpage HUD Certified Counseling Agencies.

You do not need to identify or provide a name for your 1st lender or real estate agent to submit your AHOP application. You will need to identify (or choose) your 1st lender if you receive a Program Participation Notification from BAAHA. You will only need to choose your real estate agent when you receive a Preliminary Program and 1st Loan Approval and an AHOP Fund Reservation.
Key steps to accomplish to be awarded AHOP subsidies:

  • Secure your homebuyer education certificate 
  • Submit your AHOP Application
  • Obtain your AHOP Program Participation Notification PPN
  • Secure your preliminary 1st lender and AHOP Program Approvals
  • Secure your AHOP Funding reservation
  • Start your property search – you must purchase a property in Antioch
  • Secure a property purchase contract
  • Obtain your Final 1st Lender and AHOP Program Approvals – must be a minimum 45-day escrow period in the contract, or Program Approval will not be provided.
  • Close the purchase contract – including signing all City AHOP related documents

All non-dependent adult household members must be on title and be first time homebuyers.

Gross combined income of an AHOP participating household cannot exceed 120% of Contra Costa’s Area Median Income.

There are a total of two subsidies you may be able to participate in:

  • City of Antioch down payment assistance loan subsidy - up to $60,000
  • Federal Home Loan Bank WISH Program – forgivable loan up to $29,000

Certified 1st lenders may have additional subsidies and/or grants to offer.

Subsidy funding is limited and provided on a First Come First Served basis.

In order to secure final AHOP Program Approval there must be a minimum 45-day escrow closing period stipulated in the purchase contract.

Synopsis and Key Points

Antioch Home Ownership Program (AHOP)

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