CalHFA Forgivable Equity Builder Loan

California Housing Finance Agency

Available Down Payment

About This Program

Forgivable down payment assistance loan for first-time homebuyers. Loan is forgiven after 3 years of owner-occupancy. Must be used in conjunction with a CalHFA first mortgage loan.

Forgivable after 3 years, no repayment if occupancy maintained

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

Key Details

  • Up to $15,000 for down payment or closing costs
  • Forgiven after 3 years of owner-occupancy
  • Must use with CalHFA first mortgage
  • First-time homebuyers only
  • Subject to income and purchase price limits

How to Apply

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

Deadline: Subject to funding availability

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