CalHFA FHA and VA Loan Programs

California Housing Finance Agency

Available Down Payment

About This Program

CalHFA offers affordable first mortgage programs with competitive rates and down payment assistance for qualified homebuyers in California. Programs include FHA, VA, and conventional loan options with income and purchase price limits.

Representative loan for median-priced home in San Diego County

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

Key Details

  • Affordable first mortgage options for homebuyers
  • FHA, VA, and conventional loan programs
  • Down payment assistance available
  • Income and purchase price limits apply
  • Must work with CalHFA-approved lender

How to Apply

Get free help applying Visit Official Program Page Track this program

(877) 922-5432

A grant-savvy contractor in Poway, 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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