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CalHFA FHA Loans Hero

FHA CalHFA Loans

California Housing Finance Agency FHA Programs

FHA CalHFA loans combine the benefits of FHA financing with California Housing Finance Agency programs to help California homebuyers achieve homeownership with reduced down payments and competitive rates. Learn more about FHA loans and how they can benefit you.

Getting Started

To get started with CalHFA FHA loans, you'll need to work with an approved CalHFA lender. Visit CalHFA's official website to learn more about eligibility requirements and program details.

CalPLUS FHA Programs

The CalPLUS FHA program combines an FHA-insured first mortgage with the CalHFA Zero Interest Program (ZIP) for closing cost assistance.

This program offers competitive interest rates and down payment assistance, making homeownership more accessible for California residents.

CalHFA VA Programs

CalHFA offers VA loan programs for eligible veterans and active-duty military personnel. Learn more about CalHFA VA programs and their benefits.

VA loans offer 100% financing with no down payment required for eligible veterans.

CalHFA USDA Programs

CalHFA offers USDA loan programs in partnership with the USDA Rural Development program for eligible rural areas in California. Learn more about USDA loans and their benefits for rural homebuyers.

These programs offer 100% financing with no down payment required for eligible properties in designated rural areas throughout California.

Conventional Programs

CalHFA also offers conventional loan programs for borrowers who may not qualify for government-backed loans. Learn more about conventional loansand how they compare to government programs.

CalHFA Conventional

The CalHFA Conventional program offers competitive rates with down payment assistance options.

CalPLUS Conventional

CalPLUS Conventional program combines a first mortgage with the CalHFA Zero Interest Program (ZIP) for closing cost assistance.

This program provides down payment and closing cost assistance to make homeownership more affordable for California residents.

First Time Buyer Programs

CalHFA specializes in programs for first-time homebuyers, offering various loan options with down payment and closing cost assistance.

First-time buyers can take advantage of lower down payment requirements and competitive interest rates through CalHFA programs.

MyHome Assistance Program

The MyHome Assistance Program provides a deferred-payment junior loan to assist with down payment and/or closing costs.

This program can be combined with CalHFA first mortgage programs. Learn more about the MyHome Assistance Program and how it can help you achieve homeownership.

Zero Interest Program (ZIP)

The Zero Interest Program provides a deferred-payment second loan of up to 3% of the purchase price or appraised value to assist with down payment and/or closing costs.

CalHFA Grant Programs

CalHFA offers various grant programs to assist with down payment and closing costs. These grants do not need to be repaid, making homeownership more accessible for eligible California residents.

The Bottom Line

FHA CalHFA loans offer an excellent pathway to homeownership for California residents. Learn more about how FHA loans combined with CalHFA programs can make your dream of homeownership a reality.

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