CalHOME First-Time Homebuyer Assistance

California Housing Finance Agency

Available Down Payment

About This Program

State-funded down payment assistance for first-time homebuyers in California. Provides deferred-payment junior loans to help with down payment and closing costs. Must complete homebuyer education course.

Typical CalHOME down payment assistance loan amount

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

Key Details

  • Deferred-payment loan for down payment and closing
  • First-time homebuyers in California
  • Income limits vary by county and household size
  • Homebuyer education required
  • Must use 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 San Juan Capistrano, 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: Program availability varies, check with lenders

Questions about this program?

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