CalHFA FHA Loan Program

California Housing Finance Agency

Available Down Payment

About This Program

CalHFA offers FHA-insured loans with down payment assistance options for first-time and repeat homebuyers in California. Low down payment requirements and competitive interest rates available.

FHA loan amount varies by purchase price and down payment; this is a mortgage product

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

Key Details

  • FHA loans up to $1,149,825 in Contra Costa County
  • Down payment as low as 3.5%
  • First-time and repeat buyers eligible
  • Competitive interest rates
  • May combine with CalHFA down payment assistance

How to Apply

Get free help applying Visit Official Program Page Track this program

(877) 922-5432

A grant-savvy contractor in Oakley, 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).
Download this checklist (PDF)

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: Ongoing program

Questions about this program?

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