California Down Payment Assistance

Available programs can be found at the end of the page past the submission form.


Down Payment and Grant Locator

Search for down payment assistance and home buying grants.

What countries are you interested in? *


Use a comma in between multiple counties.

What cities are you interested in? *


Use a comma in between multiple cities.

What type of Property are you interested in? *

Current Housing Situation *

What do you think your credit score is? *

What do you think your co-borrowers credit score is?

When would you like to purchase a home? *


What is your Time Frame?

Email *


Where would you like your reports sent?

Search for Grants (cont)

Check all options that apply to you.

Which applies to you? *

Please check all options that apply to you.

What is the annual household income? *


This includes all people on the loan plus husband or wife even if they are not on the loan.

What is the annual income of borrowers that will be on the loan? *


This only includes the borrowers that will be on the home loan. It is OK to estimate.

What are you current monthly payment? (Don't include rent, heat, electric, insurance or phones) *


(i.e.Include car payments, credit cards, student loans, child support, deferred student loans,etc).


Estimated price range?*


What price range would you like to be looking in?


What is your maximum comfortable payment range?*


This would include principle and interest, taxes, insurance, home owners association, home owners insurance and private mortgage insurance.

What is the total amount of student loans currently outstanding for you and any co-borrower? *


This would include principle and interest, taxes, insurance, home owners association, home owners insurance and private mortgage insurance.

Phone Number



This will be your password, you will need it to log back into your account if you decide to use down payment assistance.

Your Name


What name would you like your application saved under?

Down Payment Assistance (DPA Found) (Grants Found)

We have found available home buying grants and/or DPA(down payment assistance and closing cost assistance). Enter your information below to finish and save your application.

Borrower Name*


Please enter your first name

 


Please enter your last name

Email*


This will be your login user name if you decide to use down payment assistance to buy a home.

Cell Phone*

This will be your login password, if you decide to use down payment assistance to buy a home.

Borrower Social Security Number

Borrower Date of Birth

Address

 

 

 

Co-Borrower Name


if applicable

 


if applicable

Co-Borrower Social Security Number


if applicable

Co-Borrower Date of Birth


if applicable


FIRST MORTGAGE PROGRAMS

Conventional Loans

CalHFA Conventional Loan Program 
The CalHFA Conventional program is a first mortgage loan insured through private mortgage insurance on the conventional market. The interest rate on the CalHFA Conventional is fixed throughout the 30-year term.

CalPLUS Conventional Loan Program 
The CalPLUS Conventional program is a conventional first mortgage with a slightly higher fixed interest rate than our standard conventional program. This loan is fully amortized for a 30-year term and is combined with the CalHFA Zero Interest Program (ZIP) for closing costs.

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Goverment Insured Loans

CalHFA FHA Loan Program 
The CalHFA FHA program is an FHA-insured loan featuring a CalHFA fixed interest rate first mortgage. This loan is fully amortized for a 30-year term.

CalPLUS FHA Loan Program 
The CalPLUS FHA program is an FHA-insured first mortgage with a slightly higher fixed interest rate than our standard FHA program. This loan is fully amortized for a 30-year term and is combined with the CalHFA Zero Interest Program (ZIP) for closing costs.

Cal-EEM + Grant Program 
The Cal-EEM + Grant program combines an FHA-insured Energy Efficient Mortgage first mortgage loan with an additional Cal-EEM Grant, making energy efficient improvements even easier. The interest rate on the Cal-EEM is fixed throughout the 30-year term.

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Down Payment Assistance Programs

The money you put “down” or the down payment on your home loan can be one of the largest hurdles for many first-time homebuyers. That’s why CalHFA offers several options for down payment and closing cost assistance. This type of assistance is often called a second or subordinate loan. CalHFA’s subordinate loans are “silent seconds”, meaning payments on this loan are deferred so you do not have to make a payment on this assistance until your home is sold, refinanced or paid in full. This helps to keep your monthly mortgage payment affordable.

MyHome Assistance Program 
Offers a deferred-payment junior loan of an amount up to the lesser of three and half percent (3.5%) of the purchase price or appraised value to assist with down payment and/or closing costs.

Extra Credit Teacher Home Purchase Program (ECTP) 
This program is for teachers, administrators, school district employees and staff members working for any California K-12 public school, which includes Charter schools and county/continuation schools. Applicants must also be first-time homebuyers. Offers a deferred-payment junior loan of an amount not to exceed the greater of $7,500 or 3.5% of the sales price or in CalHFA-defined high cost areas an amount not to exceed the greater of $15,000 or 3.5% of the sales price. Assistance can be used for down payment and/or closing costs.

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Mortage Credit Certificate Tax Credit Program

Mortgage Credit Certificate Tax Credit Program (MCC)
A federal credit which can reduce potential federal income tax liability, creating additional net spendable income which borrowers may use toward their monthly mortgage payment. This MCC Tax Credit program may enable first-time homebuyers to convert a portion of their annual mortgage interest into a direct dollar for dollar tax credit on their U.S. individual income tax returns

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