Official program database FirstResponderHomePrograms

Public facts first. Not a lender.

California program

MyHome Assistance Program

California route through California Housing Finance Agency (CalHFA). This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Deferred-payment junior loan Repay later on trigger 2026-04-22
Agency California Housing Finance Agency (CalHFA)
Support type Deferred-payment junior loan
Amount highlight MyHome is a statewide deferred-payment junior loan for down payment and or closing costs. Current CalHFA materials cap the assistance at up to 3.5% of the purchase price or appraised value, whichever is less, for CalHFA FHA and CalPLUS FHA first mortgages, and up to 3.0% for CalHFA Conventional, CalPLUS Conventional, USDA, and VA first mortgages.
Last verified 2026-04-22

Use carefully

Use the current matrices and limits with the older MyHome handbook

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

MyHome is detail-safe, but the handbook PDF is older than the current tool matrices and limits pages. Public copy should rely on the current matrices and limits for live amounts and current pairing rules.

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to California program hub if you need the wider state context.

Amount

MyHome is a statewide deferred-payment junior loan that reaches up to 3.5% for CalHFA FHA and CalPLUS FHA first mortgages, and up to 3.0% for CalHFA Conventional, CalPLUS Conventional, USDA, and VA first mortgages.

Type

Deferred-payment junior loan

Repayment

MyHome is deferred while the paired CalHFA first mortgage stays in place, then becomes due if the buyer sells, transfers, refinances, pays off the first mortgage, records a notice of default, or stops using the home as a primary residence.

First-time buyer

Required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

California first-time homebuyers using a CalHFA approved first mortgage, Owner-occupant buyers purchasing a primary residence in California, Borrowers using a CalHFA approved loan officer and completing required homebuyer education, Households meeting current county-based CalHFA income limits

What support do you get?

MyHome is a statewide deferred-payment junior loan for down payment and or closing costs. Current CalHFA materials cap the assistance at up to 3.5% of the purchase price or appraised value, whichever is less, for CalHFA FHA and CalPLUS FHA first mortgages, and up to 3.0% for CalHFA Conventional, CalPLUS Conventional, USDA, and VA first mortgages.

Do you repay it?

MyHome is deferred while the paired CalHFA first mortgage stays in place. The junior loan becomes due when the buyer sells or transfers the home, refinances or pays off the first mortgage, records a notice of default, or stops using the property as a primary residence.

How do you apply?

Use a CalHFA approved loan officer to pair MyHome with an eligible CalHFA first mortgage, complete the required homebuyer education and counseling, confirm the current county income limits, and close MyHome as a second-lien subordinate loan in the same transaction.

Official source evidence

CalHFA's current MyHome page says the program remains a deferred-payment junior loan for down payment and closing costs. Current CalHFA materials continue to cap FHA pairings at 3.5% and conventional, USDA, and VA pairings at 3.0%, while the current matrices and limits pages confirm that MyHome must stay in second-lien position with a paired CalHFA first mortgage.

View official source

Last verified

2026-04-22

Current 2026 tool matrices and 2025-06-09 income limits verified 2026-04-22

Paid preview

What paid access adds for MyHome Assistance Program

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

MyHome Assistance Program

Amount: MyHome is a statewide deferred-payment junior loan that reaches up to 3.5% for CalHFA FHA and CalPLUS FHA first mortgages, and up to 3.0% for CalHFA Conventional, CalPLUS Conventional, USDA, and VA first mortgages.

Repayment: MyHome is deferred while the paired CalHFA first mortgage stays in place, then becomes due if the buyer sells, transfers, refinances, pays off the first mortgage, records a notice of default, or stops using the home as a primary residence.

First-time buyer: Required

Risk checks preview

What gets flagged before you call a lender

  • MyHome Assistance Program requires a participating lender.
  • MyHome Assistance Program must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate MyHome Assistance Program for this household and loan setup?
  • Which first-mortgage product must be paired with MyHome Assistance Program, and what breaks eligibility?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply
  • Review the official MyHome program page for MyHome Assistance Program
Open the full California board

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.

Open the full California board

Private workspace

What paid access adds after the free facts

This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.

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

Save and compare

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.

Full state board

See what this should be compared against

3 tracked deeper leads sit behind the full California board around this program.

Open the full California board

Risk and lender prep

Catch friction before you call

Use the paid layer for overlap checks, repayment friction, occupancy traps, and lender questions tied to this exact program.

Open shortlist

Action queue

Turn this page into next steps

Paid access turns the public facts into a follow-up list, lender-call order, and a clearer backup-path plan.

Open decision layer