Townhome for sale by owner in Oakland, CA 94601. Buy this 3 bdrm, 2.5 bath condo with a very small down payment. If you qualify, the city of Oakland also has 2 loan programs that can assist you with reducing your mortgage by up to 30% with no payments on your mortgage reduction. Also, if you're a full-time Oakland Unified School District Teacher, a sworn Oakland Police officer, or Fire Service Employee AND you are a first time homebuyer, the city of Oakland can assist you with your down payment!... See site for full property details.