CalHFA MyHome Down Payment Assistance

California Housing Finance Agency (CalHFA)

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Availability
Available
Listed amount
Up to 3.5% of purchase price (FHA) or 3% (conventional) as deferred loan
Open preparation checklist Open Cited Source

About This Program

The Grant Map catalogs CalHFA MyHome Down Payment Assistance in its San Jose, CA research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.

CalHFA's MyHome Assistance Program provides first-time homebuyers a deferred-payment junior loan for down payment and/or closing costs, up to 3.5% of the purchase price on FHA loans or 3% on conventional loans. The loan is repaid when the home is sold, refinanced, or paid off. While not a home repair grant, this program helps buyers purchase homes that may need improvements.

Estimated assistance on median San José starter home at 3.5%

The cited program-specific URL responded on 2026-09-17; confirm current terms.

Record set last reviewed 2026-04-03. How we verify our data.

Other published resources for San Jose, CA, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:

Key Details

  • Deferred loan, no monthly payments until sale or refinance
  • Up to 3.5% (FHA) or 3% (conventional) of purchase price
  • First-time homebuyer requirement
  • Income limits apply, check calhfa.ca.gov for Santa Clara limits
  • Must use CalHFA-approved lender

How to Apply

Confirm the current application route with the administrator. Verified official forms and steps appear below when available.

Prepare your application

Review the likely documents and download a blank preparation checklist. The blank PDF does not include saved personal details.

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).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download blank checklist (PDF)

Already sent us your project details? Sign in to download a preparation sheet with those details. For supported VA programs, you can also get a partially completed official form.

Open my application tools

Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.

Review contractor options Track this program

Program phone: 877-922-5432

Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.

You may need a contractor or estimate

Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in San Jose.

Get matched with a contractor

Our record classifies the structure as a forgivable loan. Confirm repayment, forgiveness, residency, and any lien terms with the administrator.

Each administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.

Deadline: Rolling, subject to funding availability

Questions about this program?

Email us at no charge. Replies may be automated and are for information only. For a decision on your application, contact the program administrator.

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Frequently asked questions

What audience tags are recorded for CalHFA MyHome Down Payment Assistance in San Jose?

The directory record carries audience tags for homeowners. These tags do not establish eligibility; confirm the complete current rules with the administrator.

How do I apply for CalHFA MyHome Down Payment Assistance in San Jose, CA?

Confirm the application route directly with California Housing Finance Agency (CalHFA); use the cited source on this page as a starting point or call 877-922-5432. Confirm any fee or cost with the administrator.

Need a Contractor for This Project?

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Find More Programs in San Jose, CA

This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.

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