CalHFA Programs
Are you a First Time Home Buyer looking for Downpayment Assistance?
Here are some available programs by CalHFA.
Borrower Eligibility
Ready to make your move?
While CalHFA doesn’t accept applications directly, we’ve partnered with them as a trusted Preferred Loan Officer and approved Lender whose ready to guide you every step of the way.
General Borrower Requirements
You will need to meet credit, CalHFA income limits and loan requirements of the CalHFA-approved lender and the mortgage insurer.
You will need to occupy the property as your primary residence.
CalHFA borrowers must complete homebuyer education counseling and obtain a certificate of completion through an eligible homebuyer counseling organization.
CalHFA's down payment program MyHome requires you to be a first-time homebuyer. See the definition of a first-time homebuyer.
Be sure to check the borrower eligibility section of each individual loan program for program-specific requirements such as income limits.
Homebuyer Education Requirement
CalHFA firmly believes that homebuyer education and counseling is critical to the success and happiness of a homeowner, and requires homebuyer education and counseling for first-time homebuyers using a CalHFA program.
Who has to take this Homebuyer Education and Counseling course?
Only one occupying first-time borrower on each loan transaction.
How do I take this education and counseling course?
ONLINE: eHome's eight-hour Homebuyer Education and Counseling course is the only online course accepted by CalHFA. (fee: $99) Other online courses like Frameworks and HomeView are not acceptable because they do not provide a one-hour, 1-on-1 counseling follow-up session.
IN-PERSON or VIRTUAL: Live Homebuyer Education and Counseling in-person or virtually though NeighborWorks America or any HUD-Approved Housing Counseling Agency
(fee: varies by agency)
How do I take the additional California Dream For All education?
ONLINE: This education is free and online only. Visit calhfadreamforall.com to get signed up and take the course.
Want to see if you qualify?
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FAQ- Frequently Asked Questions
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Schedule a 15-min call with us and we can guide you through the first steps.
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Before our initial call, you may want to have this list of documents and information available to help answer questions that they will ask you:
Pay stubs
Bank statements
Employment history
Previous tax returns
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ONLINE: eHome's eight-hour Homebuyer Education and Counseling course is the only online course accepted by CalHFA. (fee: $99) Other online courses like Frameworks and HomeView are not acceptable because they do not provide a one-hour, 1-on-1 counseling follow-up session.
IN-PERSON or VIRTUAL: Live Homebuyer Education and Counseling in-person or virtually though NeighborWorks America or any HUD-Approved Housing Counseling Agency
(fee: varies by agency)
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Only one occupying first-time borrower on each loan transaction.