CalHFA Forgivable Equity Builder Loan

California Housing Finance Agency

Available Down Payment

About This Program

Forgivable loan up to $30,000 for down payment and/or closing cost assistance. Available to first-time homebuyers. Forgiven incrementally over 10 years at 10% per year while occupying the home as primary residence.

Loan forgiven at 10% per year over 10 years of occupancy

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Up to $30,000 forgivable loan
  • For down payment and closing costs
  • First-time homebuyers
  • Forgiven at 10% per year over 10 years
  • Must use CalHFA first mortgage

How to Apply

A grant-savvy contractor in Duarte, CA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Deadline: Ongoing program

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