Richmond wraps around thirty-two miles of San Francisco Bay shoreline in west Contra Costa County, with BART, a ferry to San Francisco and neighborhoods as different as historic Point Richmond and the waterfront homes of Marina Bay. We help Richmond buyers, homeowners and investors with FHA, VA, conventional and jumbo financing. First-time homebuyer loans in Richmond include 3 percent down conventional programs, 3.5 percent down FHA loans, zero-down VA and USDA options and CalHFA programs with down payment assistance. Pacific National Lending lays them out side by side so you can see what fits your budget.
Call Pacific National Lending for first-time homebuyer loans in Richmond: (916) 526-2700
Apply Here
Richmond remains one of the most affordable places to buy near the center of the Bay Area, so it draws first-time buyers using FHA and low-down-payment conventional loans, along with investors buying two-to-four-unit properties. Many homes date from the 1920s through the 1940s, which makes property condition, appraisal repairs and renovation-friendly financing common topics. A first-time homebuyer is generally anyone who has not owned a home in the past three years, which means some Richmond buyers who owned years ago qualify again. That status unlocks CalHFA programs, reduced mortgage insurance on some conventional loans and down payment assistance.
Get Pre-approved
Housing includes early-1900s homes in Point Richmond, 1920s to 40s bungalows in the North and East neighborhood and the Richmond Annex, condos and townhomes at Marina Bay and Brickyard Cove, and 1970s and 80s homes around Hilltop. Our team has guided hundreds of first-time buyers through the Richmond market, and we know where the surprises usually come from: appraisal gaps, condition issues, HOA reviews and timing. We handle them so your first purchase goes as smoothly as your tenth.
First-time buyers in Richmond should also ask about seller credits toward closing costs, temporary rate buydowns and the timing of a rate lock. Each can reduce the cash needed or the payment in the first years of ownership.
Our first-time homebuyer loans clients in Richmond come from Point Richmond, Marina Bay, Richmond Annex, North and East and every other part of west Contra Costa County. Richmond is about an hour and a half from our Gold River office via I-80.
Ready to talk about first-time homebuyer loans in Richmond? Call (916) 526-2700 or apply online in a few minutes. There is no credit pull at the first step and no obligation.
Apply HereLearn more about the program itself: First-Time Homebuyer Loans · All loan options · Purchase · Refinance · Today's rates
Area photo: "Point Richmond houses (4589842386)" by nick fullerton, CC BY 2.0.
© 2026, Pacific National Lending, all rights reserved. Created and managed by 1 Stop Link. Images & icons used on the website are either original, free or purchased on pexels.com, unsplash.com, vecteezy.com, fontawesome.com or other platforms. The display of logos, seals and emblems is not meant to show affiliation between us and their owners. This use falls under the fair use category of copyright protected images.