There are several first-time homebuyer programs available in Hayward, California. Here are some options you may want to consider:

Hayward First Time Homebuyer Program: This program provides eligible applicants with a deferred-payment loan of up to $150,000 for down payment and closing costs assistance. The loan is repayable only upon sale, transfer, or refinance of the property. To be eligible, you must meet certain income and purchase price limits and attend a homebuyer education course.

Alameda County Homeownership Programs: The county offers several programs for first-time homebuyers, including the Mortgage Credit Certificate Program, which provides a federal tax credit of up to 20% of mortgage interest paid each year, and the MyHome Assistance Program, which offers up to 5% of the purchase price in down payment and closing cost assistance.

CalHFA: The California Housing Finance Agency (CalHFA) provides several programs to help first-time homebuyers, including the CalPLUS Conventional program, which offers a deferred-payment loan of up to 3.5% of the purchase price to help with down payment and closing costs, and the CalHFA FHA program, which provides a low-interest rate and down payment assistance.

HUD-Approved Housing Counseling Agencies: HUD-approved housing counseling agencies in Hayward can provide free or low-cost counseling services to help you understand the homebuying process, determine your eligibility for assistance programs, and prepare for homeownership.

It’s important to note that eligibility requirements and program availability may vary, so it’s best to contact each program directly for more information and to determine which one may be the best fit for your specific needs and circumstances.