Mortgage Credit Certificates are available to first-time homebuyers within all cities in Contra Costa. County, as well as in the unincorporated County.CHDC offers a variety of down payment assistance programs, either directly or through our affiliate organizations and partners. Tax Reform Act of 1984, provides financial assistance to "first time. Use our free Bay Point, Contra Costa County, California mortgage calculator to quickly estimate your closing expenses on your home mortgage. Enter the amount of the First Deed of Trust, if any. Check all the applicable boxes, and complete the information requested. Do you need help applying for financial aid, submitting documents, signing up for bank mobile? California law allows a co-owner to take out a mortgage without the other co-owners consent or knowledge. Continue to check City's website in the event of any modifications to the RFP.