CalHFA MyHome Assistance Program
by California Housing Finance Agency
A deferred junior loan for down payment and closing costs through a CalHFA-approved lender.
What you can get
Deferred junior loan of about 3% to 3.5% of the purchase
Repayable financing. Repayable — not free savings.
MyHome is a deferred-payment junior loan. With an FHA first mortgage it can be the lesser of 3.5% of purchase price or appraised value; with a conventional first it can be the lesser of 3%. CalHFA is not a direct lender. County income limits apply and are not encoded here as a single number. This is repayable financing, not free savings.
Overview
A deferred junior loan for down payment and closing costs through a CalHFA-approved lender.
Who may qualify
- These down-payment programs are for buyers who do not already own the home they are purchasing.
Location / service area
Statewide in California
How to apply
Use the official application or program page. Confirm current instructions with the administrator before you apply.
Preapproval required
Important things to know
Last verified: Sep 6, 2026 · Confidence: High
Official sources
Not sure what you qualify for?
Check your eligibility. We’ll compare your answers with published program rules.
Eligibility is based on published program information and the details you provide. Program rules, funding and availability can change. Always confirm eligibility with the official program administrator.