CalHFA MyHomeAssistance Program
Get up to $10,000 in down payment assistance with the CalHFA MyHome assistance program. Zero interest, no monthly payments, and forgiven after 30 years. Available statewide for California first-time home buyers.
CalHFA MyHome Benefits
What is the CalHFA MyHome Assistance Program?
CalHFA MyHome is a deferred-payment junior loan from the California Housing Finance Agency that helps eligible first-time buyers cover down payment or closing costs. It pairs with a CalHFA first mortgage, requires no monthly payment, and is repaid when you sell, refinance, or pay off the loan.
Last reviewed: 2026-05-03
How much down payment assistance does CalHFA provide?
CalHFA provides down payment assistance ranging from about 3% to 10% of the loan amount, depending on program. MyHome offers up to 3.5% as a deferred junior loan. Forgivable Equity Builder offers up to 10% forgivable after five years. Specific amounts depend on county loan limits.
Last reviewed: 2026-05-03
What are the income limits for CalHFA 2026?
CalHFA 2026 income limits vary by county and program but apply as a single combined-household cap, not a per-person schedule. Examples: Los Angeles roughly $180,000, Orange County $180,000, Riverside and San Bernardino around $178,800. Always confirm the current cap on calhfa.ca.gov before applying.
Last reviewed: 2026-05-03
Why Choose CalHFA MyHome?
CalHFA MyHome helps eligible buyers bridge the gap between savings and cash-to-close by adding deferred down payment assistance to a CalHFA first mortgage. It is most useful when you qualify for the payment but need help covering upfront funds.
The CalHFA MyHome assistance program offers unmatched benefits for California first-time home buyers.
Up to $10,000 Assistance
Zero-interest deferred payment loan for down payment and closing costs
No Monthly Payments
Deferred payment - no monthly payments required on the assistance loan
Forgiven After 30 Years
The loan is forgiven if you remain in the home for 30 years
Statewide Availability
Available throughout California in all 58 counties
First-Time Buyer Friendly
Designed specifically for first-time home buyers in California
Combine with Other Programs
Stack with other CalHFA programs and county-specific assistance
2026 CalHFA MyHome Income Limits
Income limits vary by county and household size. These are the 2026 limits for Southern California counties.
| County | 1 Person | 2 Person | 4 Person | Median Home Price |
|---|---|---|---|---|
| Los Angeles County | $113,480 | $129,680 | $162,080 | $725,000 |
| Orange County | $96,040 | $109,760 | $137,200 | $965,000 |
| Riverside County | $71,520 | $81,720 | $102,120 | $565,000 |
| San Bernardino County | $69,080 | $78,920 | $98,640 | $485,000 |
Income limits are based on 120% of Area Median Income (AMI).Check your specific qualification
Source: CalHFA Income & Sales Price Limits (calhfa.ca.gov). Limits are revised periodically — confirm with CalHFA before submitting an application. Last reviewed: 2026-05-03.
CalHFA MyHome Eligibility Requirements
Make sure you meet all CalHFA MyHome program requirements before applying.
First-Time Buyer Status
Income Limits (2026)
Property Requirements
Financial Requirements
CalHFA MyHome Application Process
Follow these 6 simple steps to apply for CalHFA MyHome assistance.
Complete Homebuyer Education
1-8 hoursTake a HUD-approved homebuyer education course (online or in-person)
Get Pre-Approved
1-3 daysApply for pre-approval with CalHFA approved lender (Aditya Choksi)
Find Your Home
2-8 weeksShop for homes within program purchase price limits
Submit Full Application
1-2 daysComplete CalHFA MyHome assistance application with purchase contract
Processing & Underwriting
2-3 weeksCalHFA processes assistance application alongside your mortgage
Close on Your Home
1 dayReceive assistance funds at closing to reduce your cash needed
Combine CalHFA MyHome with Other Programs
Maximize your benefits by combining CalHFA MyHome with other CalHFA loan programs.
CalHFA Conventional + MyHome
Cal FHA + MyHome
CalPLUS + MyHome
CalHFA MyHome Frequently Asked Questions
What happens to the CalHFA MyHome loan when I sell or refinance?
If you sell or refinance within 30 years, you must repay the CalHFA MyHome assistance loan. The amount repaid is based on the current value of the assistance relative to your home's appreciation.
Can I use CalHFA MyHome with a VA loan?
No, CalHFA MyHome can only be used with CalHFA first mortgage programs (Cal FHA, CalHFA Conventional, or CalPLUS). However, veterans may have access to other VA-specific assistance programs.
Is CalHFA MyHome available for condos and townhomes?
Yes, CalHFA MyHome can be used for single-family homes, condominiums, and townhomes, as long as the property meets CalHFA requirements and is your primary residence.
Ready to Get $10,000 in Down Payment Assistance?
Don't miss out on this incredible California program. Apply for CalHFA MyHome assistance today with California's trusted CalHFA approved lender.