The Culinary and Bartenders Housing Partnership provides the following benefits:

* Homebuyer education and pre-purchase counseling in English and Spanish
* Post-purchase workshops (in English & Spanish), including foreclosure prevention
* First-time homebuyer down payment assistance loans

The Culinary and Bartenders Housing Partnership provides up to $20,000 in assistance to purchase your first home!

Key elements of the program include:

• The down payment assistance loan up to $20,000 has a 0% interest rate.
• You do not have to pay back the loan unless you sell, rent, or refinance the property.
• If you sell, rent, or refinance you pay the loan back at face value with no interest charges.
• You must live in the house you buy as your primary residence (not as a second or vacation home).
• You must not have owned a home within the past three years.
• You must contribute 3.5% down payment for an FHA mortgage. 
• You must contribute 1% of the purchase price for a conventional mortgage.
• Your combined household income can't be greater than $92,010 for a 1-3 persons household. For a household with 4 or more persons, your combined household income can't be greater than $106,250.
• You will be required to complete an 8-hour homebuyer education course and a one-on-one counseling session at no cost to you.
• You must qualify for a mortgage - you may use a lender of your choice, or the Housing Program can provide you with a list of participating lenders to assist you. Participating lender list can be located online here.
• Funds for loans are limited and will be granted on a first come first serve basis.