Official program database FirstResponderHomePrograms

Public facts first. Not a lender.

California program

CalHFA Homebuyer Programs

California route through California Housing Finance Agency (CalHFA). Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.

Deferred-payment subordinate loan Check official rules 2026-04-19
Agency California Housing Finance Agency (CalHFA)
Support type Deferred-payment subordinate loan
Amount highlight 3.5% of the sales price or appraised value, whichever is less, for CalHFA FHA and CalPLUS FHA first mortgages; 3.0% of the sales price or appraised value, whichever is less, for CalPLUS Conventional, CalHFA Conventional, CalHFA USDA, and CalHFA VA first mortgages.
Last verified 2026-04-19

Decision-ready public facts

What this program appears to offer

Quick answer from published facts. Go to California program hub

Amount

3.5% of the sales price or appraised value, whichever is less, for CalHFA FHA and CalPLUS FHA first mortgages; 3.0% of the sales price or appraised value, whichever is less, for CalPLUS Conventional, CalHFA Conventional, CalHFA USDA, and CalHFA VA first mortgages.

Type

Deferred-payment subordinate loan

Repayment

Payments are deferred for the life of the first loan; principal and interest become due on transfer of title, sale of the property, payoff or refinance of the first loan, or formal filing or recording of a Notice of Default unless rescinded.

First-time buyer

Unknown

Program guide

What to know before you click through

Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.

Who qualifies?

Low- to moderate-income buyers, First-time homebuyers, HUD Section 184 borrowers, FHA Section 203(h) disaster borrowers

What support do you get?

3.5% of the sales price or appraised value, whichever is less, for CalHFA FHA and CalPLUS FHA first mortgages; 3.0% of the sales price or appraised value, whichever is less, for CalPLUS Conventional, CalHFA Conventional, CalHFA USDA, and CalHFA VA first mortgages.

Do you repay it?

Payments are deferred for the life of the first loan; principal and interest become due on transfer of title, sale of the property, payoff or refinance of the first loan, or formal filing or recording of a Notice of Default unless rescinded.

How do you apply?

Apply through a CalHFA-approved lender or Preferred Loan Officer; CalHFA does not accept applications directly.

Official source evidence

CalHFA MyHome offers deferred-payment subordinate assistance tied to CalHFA first mortgages, with 3.5% support on FHA-family products and 3% support on conventional, USDA, and VA products.

View official source

Last verified

2026-04-19

2022-02-28

Paid preview

What paid access adds for CalHFA Homebuyer Programs

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

Example paid output for this program. The free page stays visible either way.

Comparison preview

CalHFA Homebuyer Programs

Amount: 3.5% of the sales price or appraised value, whichever is less, for CalHFA FHA and CalPLUS FHA first mortgages; 3.0% of the sales price or appraised value, whichever is less, for CalPLUS Conventional, CalHFA Conventional, CalHFA USDA, and CalHFA VA first mortgages.

Repayment: Payments are deferred for the life of the first loan; principal and interest become due on transfer of title, sale of the property, payoff or refinance of the first loan, or formal filing or recording of a Notice of Default unless rescinded.

First-time buyer: Unknown

Risk checks preview

What gets flagged before you call a lender

  • CalHFA Homebuyer Programs requires a participating lender.
  • CalHFA Homebuyer Programs can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Does CalHFA Homebuyer Programs require a participating lender for this household and loan setup?
  • Which events trigger repayment for CalHFA Homebuyer Programs: sale, refinance, transfer?

Action checklist preview

What you would do next

  • Confirm whether CalHFA Homebuyer Programs requires a participating lender.
  • Review the official MyHome program handbook for CalHFA Homebuyer Programs.
Unlock comparison and lender prep for California

Paid research preview

What paid research already covers in California

Paid research already tracks city and county programs, specialty and conditional paths for California.

3 tracked deeper records

These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.

What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

1 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

2 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

See deeper California leads

Private workspace

What paid access adds to this program

The free page gives you the public facts. Paid access turns this program into a shortlist item, comparison row, risk check, and lender-call prep surface.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback.

Save for comparison

Keep this program in your shortlist

Active accounts can save this program in one click. If you still need sign-in or checkout, the same button routes you to the right next step.

Save this program for side-by-side comparison and later follow-up.

Decision output

Comparison, risk checks, and lender prep

Use the paid layer for side-by-side comparison, overlap checks, lender questions, and next-step notes tied to this exact program.

Open shortlist See deeper state leads