California Down Payment Assistance Programs

2 statewide down payment assistance programs from California Housing Finance Agency (CalHFA): 2 deferred loans. Every listing links to the official page and shows when we last checked it.

Most state programs are used together with the agency's own first mortgage through a participating lender, and income and price limits usually vary by county and household size. City and county programs are not listed yet.

Statewide programs

MyHome Assistance Program

Deferred loan

California Housing Finance Agency (CalHFA)

Amount: Up to the lesser of 3.5% (FHA) or 3% (conventional) of the purchase price or appraised value
First-time buyer: Required
Status: Offered

Last checked Oct 19, 2026 · Official source (opens in new tab) ↗

California Dream For All Shared Appreciation Loan

Deferred loan

California Housing Finance Agency (CalHFA)

Amount: Up to 20% of the purchase price, not to exceed $150,000
First-time buyer: Required
Status: Closed

Last checked Oct 19, 2026 · Official source (opens in new tab) ↗

Check which California programs you may qualify for