CalHOME First-Time Homebuyer Program

California Housing Finance Agency

Waitlist Down Payment

About This Program

Down payment and closing cost assistance for first-time homebuyers in California. Funds administered through local agencies including Humboldt County. Deferred-payment junior loan with no monthly payments, due on sale or refinance.

Deferred loan, no monthly payments, repaid when home is sold

Official program page checked live on 2026-06-17.

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

Key Details

  • Up to $25,000 down payment assistance
  • First-time homebuyers only
  • Income limits vary by household size
  • Deferred loan with no monthly payments
  • Check with Humboldt County for current availability

How to Apply

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

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • The program's own application form, completed (use the official link or phone number on this page).

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Check with local administrator for availability

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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