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CalHFA MyHome Assistance Program

Quick answer

CalHFA MyHome Assistance Program is a California down payment assistance program from California Housing Finance Agency. It provides Up to the lesser of 3.5% of the purchase price or appraised value (FHA) as a deferred-payment loan. It is aimed at first-time buyers. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

Who qualifies for CalHFA MyHome Assistance Program?

Occupy the property as a primary residence; non-occupant co-borrowers are not allowed. Homebuyer education counseling is required.

DetailProgram terms
AssistanceUp to the lesser of 3.5% of the purchase price or appraised value (FHA)
TypeDeferred-payment loan
Minimum creditNot published on the program page
First-time buyerRequired
Income limitsMust meet CalHFA income limits for this program.

How does CalHFA MyHome Assistance Program work with an FHA loan?

California's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://www.calhfa.ca.gov/homebuyer/programs/myhome.htm. Programs can pause when funds run out, so confirm availability with a participating lender.

“MyHome offers a deferred-payment junior loan of an amount up to the lesser of 3.5% of the purchase price or appraised value” — California Housing Finance Agency

← All California down payment assistance programs

Frequently asked questions

Up to the lesser of 3.5% of the purchase price or appraised value (FHA), according to California Housing Finance Agency.

It's a deferred loan — no monthly payments, repaid when you sell, refinance or pay off the first mortgage.

Must meet CalHFA income limits for this program.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.