California Housing Finance Agency

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Latest opportunities (4)

Homebuyer Programs Overview

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California Housing Finance AgencyCAFirst-Time HomeownerState housing finance agency programs that pair fixed rate first mortgages with a range of subordinate loans and assistance options such as down payment and closing cost help for eligible homebuyers.

Updated: Dec 6, 2025

Overview portal of CalHFA’s suite of homebuyer assistance programs for first-time homebuyers in California.

Eligible for: First-time homebuyers, meet specific program criteria (loan type, income, credit, occupancy)

Funding: Assistance amounts vary by CalHFA program and may include down payment help like the MyHome Assistance Program, zero interest junior loans, and other specialized options such as Dream For All that are generally calculated as a percentage of the purchase price or loan amount.Deadline: Rolling depending on programRollingStatewide (California)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerCalifornia homebuyerdown payment assistanceclosing cost assistancefirst mortgagestate housing finance agencyfixed rate loanhomebuyer education requiredCalifornia homebuyer support

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CalHFA Homebuyer Programs Overview

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California Housing Finance AgencyCAFirst-Time HomeownerState housing finance agency programs that offer 30 year fixed rate mortgages combined with optional down payment and closing cost assistance through junior loans and specialty products targeted at first time buyers.

Updated: Dec 6, 2025

A broad overview of CalHFA’s suite of homebuyer loan and assistance programs for first-time buyers in California.

Eligible for: First-time homebuyers, meet income/credit/homebuyer education requirements

Funding: Assistance levels differ by program but generally provide a percentage of the purchase price or loan amount to be used for down payment and closing costs through tools like the MyHome Assistance Program and other CalHFA subordinate financing options.Deadline: Rolling depending on programRollingStatewide (California)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerCalifornia homebuyerdown payment assistanceclosing cost assistancefirst mortgagestate housing finance agencyfixed rate loanhomebuyer education requiredCalifornia homebuyer support

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MyHome Assistance Program

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California Housing Finance AgencyCAFirst-Time HomeownerState housing finance agency junior loan that provides a deferred payment silent second mortgage to cover part of the down payment and closing costs when paired with a CalHFA first mortgage.

Updated: Dec 6, 2025

Deferred-payment junior loan for down payment/closing costs to help first-time buyers access homeownership.

Eligible for: First-time homebuyers (or no ownership last 3 years), primary residence, must use CalHFA first mortgage; meet income/credit limits; home mus…

Funding: Offers assistance up to 3.5 percent of the purchase price or appraised value for FHA and conventional loans and up to 3 percent for USDA or VA loans, structured as a deferred payment junior loan due when the first mortgage is refinanced, paid off or the home is sold.Deadline: Rolling / when funds availableRollingStatewide (California)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerCalifornia homebuyerdown payment assistanceclosing cost assistancedeferred payment loanjunior lienstate housing finance agencysilent second mortgageCalifornia homebuyer support

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California Dream For All Shared Appreciation Loan

Limited Funding

California Housing Finance AgencyCAFirst-Time HomeownerState housing finance agency shared appreciation junior loan that provides a large portion of the down payment in exchange for repayment of the principal plus a share of future home price appreciation.

Updated: Dec 6, 2025

A down payment assistance program for first-time buyers, providing a junior loan up to 20% of purchase price, repayable at sale/transfer with share of home appreciation.

Eligible for: First-time homebuyers, in conjunction with CalHFA first mortgage, shared appreciation required

Funding: Provides a shared appreciation junior loan of up to 20 percent of the home purchase price, typically capped at about 150000 dollars, that can be used toward down payment and closing costs and is repaid along with a portion of the home value gain.Deadline: Registration opens (random drawing) for next round Limited WindowStatewide (California)homebuyerfirst-time homebuyerlow-income homebuyermoderate-income homebuyerCalifornia homebuyerdown payment assistanceshared appreciation loanjunior lienstate housing finance agencylarge gap financingCalifornia homebuyer support

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