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URL timed out. Program is a homebuyer down payment assistance loan, not a competitive grant.
CalHFA MyHome Assistance Program is a down payment and closing cost assistance program from the California Housing Finance Agency that provides first-time homebuyers with a deferred-payment junior loan to make homeownership more accessible. For CalHFA FHA loans, the program offers up to 3. 5% of the purchase price or appraised value; for CalHFA Conventional loans, up to 3%.
The loan is deferred, meaning no monthly payments are required until the home is sold, refinanced, or the first mortgage is paid off. Eligible applicants must be first-time homebuyers who occupy the property as a primary residence, meet CalHFA income limits, and complete an approved homebuyer education counseling program. The property must be a single-family, one-unit residence in California.
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Downpayment Assistance Program | MyHome Assistance Program * [](https://www. calhfa. ca.
gov/homebuyer/programs/myhome. htm#) 4. MyHome Assistance Program * CalPLUS Conventional + Access MyHome Assistance Program **CalHFA Government Loans (FHA):** MyHome offers a deferred-payment junior loan of an amount up to the lesser of 3.
5% of the purchase price or appraised value to assist with down payment and/or closing costs. **CalHFA Conventional Loans:** MyHome offers a deferred-payment junior loan of an amount up to the lesser of 3% of the purchase price or appraised value to assist with down payment and/or closing costs. MyHome Assistance Program [](https://www.
calhfa. ca. gov/homebuyer/programs/myhome.
htm) Review the guidelines below for both Borrower and Property Requirements to determine if you may be eligible to apply for the MyHome Assistance Program. **Borrower Requirements** * Be a first-time homebuyer. See the definition of a first-time homebuyer.
* Occupy the property as a primary residence; non-occupant co-borrowers are not allowed. * CalHFA borrowers must complete homebuyer education counseling and obtain a certificate of completion through an eligible homebuyer counseling organization. * Meet CalHFA income limits for this program.
*In the case of conflicting guidelines, the lender must follow the more restrictive. **Property Requirements** * Be a single-family, one-unit residence, including approved condominium/PUDs * Guest houses, granny units and in-law quarters may be eligible * Manufactured housing is permitted * Condominiums must meet the guidelines of the first mortgage *In the case of conflicting guidelines, the lender must follow the more restrictive.
MyHome Assistance Program [](https://www. calhfa. ca.
gov/homebuyer/programs/myhome. htm) **What is the interest rate? ** Interest rates will vary depending on your financial circumstances, lender fees, and other factors.
Interest rates can also change daily. We recommend that you check with a CalHFA-approved loan officer to receive an accurate rate quote for this program. CalHFA does not lend money directly to consumers.
CalHFA works through and uses approved lenders to qualify consumers and to make all mortgage loans. The fees you pay could be different depending on the lender and the program. View sample Annual Percentage Rates (APRs) here.
MyHome Assistance Program [](https://www. calhfa. ca.
gov/homebuyer/programs/myhome. htm) **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: $100) 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 MyHome Assistance Program [](https://www. calhfa.
ca. gov/homebuyer/programs/myhome. htm) **How do I apply for this loan program?
** Since CalHFA is not a direct lender, our mortgage products are offered through private loan officers who have been approved & trained by our Agency. These loan officers can help you find out more about CalHFA’s programs and guide you through the home buying process. Visit the Find a Loan Officer tab, to contact a loan officer in your area.
**What documents should I have ready when contacting a loan officer? ** When initially contacting a loan officer, you may want to have this list of documents and information available to help answer questions that they will ask you: Dream For All homeowners Tiffany Duvernay-Smith and her husband Thomas Smith share their heartfelt journey to buying their very first home.
Use the Am I Eligible tool **CalHFA's Homebuyer Education** **ONLINE:**eHome's eight-hour Homebuyer Education and Counseling course is the only online course accepted by CalHFA. (fee: $100) Other online courses like Frameworks 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 Call Toll Free 877. 9. CalHFA (877.
922. 5432) 500 Capitol Mall, Ste. 1400 877.
9. CalHFA (877. 922.
5432) Racial Equity Action PlanLanguage Access PlanAccessibility Certification Lenders/Real Estate Agents Procurement Opportunities Public Records & Policies CA Statewide Housing Plan Veterans Housing and Homelessness Prevention Program (VHHP) Language Access Complaint Form / Formulario de queja de acceso por idioma / Language Access Line www. calhfa. ca.
gov | Sitemap www. calhfa. ca.
gov | Sitemap Your feedback will be used to help improve Google Translate
According to the current listing, eligibility includes: Individuals who are first-time homebuyers and meet specific credit and income limits within the state of California. Confirm the full requirements in the official notice before applying.
CalHFA MyHome Assistance Program is funded by California Housing Finance Agency. Verify program details on the funder's official page before applying.
This opportunity targets applicants in California. If your organization operates elsewhere, check the official notice for location requirements.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
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