CalHFA Approved Lender

California First-Time Buyer ProgramsMade Simple

Access California first-time buyer programs including the CalHFA MyHome assistance program with up to $10,000 in down payment help. Aditya Choksi specializes in navigating California's generous homebuyer assistance programs.

Up to $10,000 CalHFA MyHome
3% Down Payment Options
County-Specific Programs
Expert Program Navigation
Check Program EligibilityGet Free Buyer Checklist
300+ First-Time Buyers helped across California

California Program Benefits

CalHFA MyHome Assistance$10,000
Zero interest, deferred payment loan
Down Payment Minimum3.0%
CalHFA Conventional loan programs
Combined Programs$25,000+
Maximum assistance with stacked programs
2025 Loan Limits$1,209,750
High-cost area conforming limit

California First-Time Buyer Programs

California offers some of the nation's most generous first-time buyer assistance programs. Let us help you access every benefit you qualify for.

Up to $10,000

CalHFA MyHome Assistance

Zero-interest deferred payment loan for down payment and closing costs

Requirements:
First-time buyers, income limits apply
No monthly payments
Forgiven after 30 years
Statewide availability
3% Down Payment

CalHFA Conventional Loans

Low down payment conventional loans with competitive rates

Requirements:
Credit score 620+, various income limits
PMI removal options
Fixed and ARM rates
Purchase and refinance
Community Seconds

CalPLUS Conventional

Additional down payment assistance for moderate-income buyers

Requirements:
Income limits vary by county
Up to $15,000 assistance
0% interest
Deferred payments
3.5% Down Payment

Cal FHA Loans

FHA loans with CalHFA's additional assistance programs

Requirements:
Credit score 580+, FHA limits apply
Low down payment
Flexible credit
MIP required

County-Specific Assistance Programs

Each California county offers additional assistance programs that can be combined with state programs for maximum benefits.

Los Angeles County

Max Assistance:$110,000
Income Limit:$141,850 (2-person)
Available Programs:
• LACDA First-Time Buyer
• City of LA HPLA
• CalHFA MyHome

Orange County

Max Assistance:$25,000
Income Limit:$120,050 (2-person)
Available Programs:
• OC Community Housing
• CalHFA Programs
• City-Specific Programs

Riverside County

Max Assistance:$15,000
Income Limit:$89,400 (2-person)
Available Programs:
• Riverside County HFA
• CalHFA MyHome
• USDA Rural Development

San Bernardino County

Max Assistance:$20,000
Income Limit:$86,350 (2-person)
Available Programs:
• San Bernardino County HFA
• CalHFA Programs
• VA Funding

Program Stacking Example - Los Angeles County

CalHFA MyHome

$10,000
Down payment assistance

LACDA Program

$110,000
Additional down payment loan

Total Assistance

$120,000
Combined program benefits

First-Time Buyer Requirements

California first-time buyer programs have specific eligibility requirements designed to help qualifying buyers achieve homeownership.

Must be a first-time home buyer (no ownership in past 3 years)
Complete HUD-approved homebuyer education course
Meet income limits (varies by county and family size)
Purchase price within county loan limits
Property must be primary residence
Contribute minimum $1,000 of own funds

Important Note

Income limits and program availability vary by county. We'll help you identify all programs you qualify for in your specific area.

Why Choose Our Program Expertise?

CalHFA Approved Lender

Certified to originate all CalHFA loan programs with expert knowledge of requirements

Program Expertise

Navigate complex program requirements and combine multiple assistance programs

Maximum Benefits

Calculate and secure the highest assistance amounts you qualify for

Fast Processing

Streamlined process with CalHFA to get you approved and closed quickly

Check Your Eligibility

First-Time Buyer Success Stories

JM
Jennifer M.
Torrance, CA

"The CalHFA MyHome program saved us $8,000 on our down payment. Aditya explained everything and helped us get the maximum assistance."

Program Used: CalHFA MyHome + Conventional Loan
Total Assistance: $8,000
DR
David R.
Riverside, CA

"As a teacher, I didn't think I could afford a home in California. The combined programs got me $15,000 in assistance!"

Program Used: CalHFA + Riverside County HFA
Total Assistance: $15,000
MG
Maria G.
Garden Grove, CA

"The homebuyer education was so helpful, and we qualified for more assistance than we ever imagined possible."

Program Used: CalHFA + OC Community Housing
Total Assistance: $25,000

Start Your California Homeownership Journey

Don't navigate California's complex assistance programs alone. Get expert guidance and maximize your benefits with Aditya Choksi.

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CalHFA Approved Lender | NMLS Licensed | Your First-Time Buyer Advocate