California Housing Finance Agency (CALHFA) Programs

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Empowering Homeownership

Explore CALHFA Programs

Down Payment Assistance

CALHFA offers down payment assistance to help you cover the initial costs of purchasing a home, making homeownership more accessible.

Affordable Interest Rates

Benefit from competitive interest rates that can significantly reduce your monthly mortgage payments, allowing you to save more over time.

Flexible Eligibility Criteria

CALHFA programs are designed to accommodate a variety of income levels and credit histories, ensuring that more Californians can qualify for assistance.

First-Time Homebuyer Programs

Specialized programs for first-time homebuyers provide additional support and resources to help you navigate the home buying process.

Loan Options

Choose from a range of loan options, including FHA, VA, and USDA loans, tailored to meet your specific needs and financial situation.

Homebuyer Education

Participate in homebuyer education courses to gain valuable knowledge about the home buying process and financial management.

How to Apply for CALHFA Assistance

01

Step 1: Determine Your Eligibility

Before applying, ensure you meet CALHFA's eligibility criteria, including income limits and credit score requirements. Review the specific program guidelines to confirm your qualifications.

02

Step 2: Gather Required Documents

Collect necessary documentation such as proof of income, tax returns, and identification. Having these ready will streamline your application process.

03

Step 3: Complete the Application

Fill out the CALHFA application form accurately. You can apply online or through a participating lender. Make sure to double-check your information before submission.

Frequently Asked Questions about CALHFA

Explore the most common questions regarding CALHFA programs, including eligibility requirements, application processes, and specific program details. This section aims to provide clarity and guidance for potential homebuyers seeking assistance.

  • What is CALHFA?

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    The California Housing Finance Agency (CALHFA) offers various programs to assist first-time homebuyers in achieving homeownership. These programs include down payment assistance, low-interest loans, and more.
    Read More

  • Who is eligible for CALHFA programs?

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    Eligibility for CALHFA programs typically includes first-time homebuyers, low to moderate-income individuals, and those purchasing a primary residence in California. Specific criteria may vary by program.
    Find Out More

  • How do I apply for CALHFA assistance?

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    To apply for CALHFA assistance, you must work with a CALHFA-approved lender. The application process involves submitting necessary documentation and completing the required forms to determine your eligibility.
    Get Started

  • What types of assistance does CALHFA offer?

    Man in a white shirt wearing a headset, working at a computer in an office setting, smiling.
    CALHFA provides various forms of assistance, including down payment assistance programs, mortgage credit certificates, and low-interest loans tailored to meet the needs of homebuyers.
    Explore Options

  • Can I use CALHFA programs for refinancing?

    Inside of a mosque, a large chandelier hangs. Columns and prayer rugs are visible.
    Yes, CALHFA programs can also assist with refinancing options for existing homeowners looking to lower their mortgage rates or access equity in their homes.
    Learn More

Get in Touch with Us

If you have any questions about CALHFA programs or home loan options, we are here to help. Our dedicated team at California Down Payment Assistance is available to provide you with the information you need to make informed decisions about your home financing. Whether you're a first-time homebuyer or looking to refinance, reach out to us today!

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Empower Your Homeownership Journey

Start Your Journey with CALHFA

Unlock Your Path to Homeownership

Explore the various assistance options available through CALHFA to make your dream of owning a home a reality. Our dedicated team is here to guide you every step of the way, ensuring you find the right program that fits your needs.