Buying a home in California can feel out of reach—especially for first-time buyers. Between high prices and steep down payments, the path to homeownership isn’t always clear. That’s where CalHFA steps in.
The California Housing Finance Agency (CalHFA) offers programs designed to support first-time buyers with down payment and closing cost assistance. These programs help make homeownership more affordable and accessible across the state.
What Are the CalHFA Loan Benefits?
One of the biggest CalHFA loan benefits is down payment assistance. Through programs like MyHome and the CalHFA ZIP, qualified buyers can borrow funds to cover their upfront costs—often with deferred payments and competitive interest rates.
Another major advantage is the fixed-rate 30-year mortgage. That stability gives buyers predictable payments and peace of mind. Plus, CalHFA loans can be combined with FHA, VA, USDA, or conventional loan options, giving you flexibility based on your financial situation.
Why This Matters for You
These programs are especially valuable in high-cost markets like Sacramento, Roseville, and Folsom. If you meet income and credit score requirements, a CalHFA loan could be the key to unlocking your first home.
The CalHFA loan benefits aren’t just about saving money—they’re about making homeownership possible. Whether you’re planning to buy soon or just exploring options, it’s worth understanding how this program could work for you.
Ready to Explore Your CalHFA Loan Options?
If you’re a first-time homebuyer in California, the CalHFA program could be the key to unlocking your dream home. Our experienced team is here to guide you through every step of the process—from pre-qualification to closing.
Let’s talk about your options today.
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