MyHome Assistance Program
California Housing Finance Agency (CalHFA)
Amount: Up to 3.5% of purchase price (FHA loans) or 3% (conventional loans)
Type: Deferred-payment junior loan
First-time buyers (no ownership of a primary residence in the past 3 years); homebuyer education required; must meet CalHFA income limits, which vary sharply by county (e.g. ~$172,800 for a 4-person household in Los Angeles vs. ~$85,200 in Fresno).
CalPLUS with Zero Interest Program (ZIP)
California Housing Finance Agency (CalHFA)
Amount: Closing cost assistance, paired with a CalPLUS first mortgage
Type: Zero-interest deferred loan
Must be paired with a CalHFA CalPLUS first mortgage; same first-time-buyer and income rules as MyHome.
California Dream For All Shared Appreciation Loan
California Housing Finance Agency (CalHFA)
Amount: Up to 20% of the sale price, capped at $150,000
Type: Shared-appreciation second loan (state shares in home's appreciation when sold/refinanced)
Application portal closed March 16, 2026 — check CalHFA.ca.gov directly for reopening.