CalHFA Affordable Homeownership Program

California Housing Finance Agency

Available Down Payment

About This Program

CalHFA offers affordable first mortgage financing with down payment assistance options for first-time homebuyers in California. Programs include conventional and FHA loans with grants and deferred-payment junior loans.

Estimated down payment assistance amount based on typical CalHFA programs

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

Key Details

  • Down payment assistance for first-time buyers
  • Income limits vary by county and household size
  • Conventional and FHA loan options
  • Homebuyer education required
  • Available throughout California

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: Ongoing program

Questions about this program?

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