The California Housing Finance Agency understands how much you want to own your first home. We also realize how difficult that can be. That is why we offer low interest rate first mortgage programs and a variety of down payment assistance programs to eligible first-time homebuyers, which can turn your dreams of homeownership into reality. If you’d like to contact a CalHFA Homeownership Representative for more information on our programs, call 877.9.CalHFA (877.922.5432).

Consumer Home Mortgage Information - A guide to Mortgage Resources in California.

You can also visit our Mortgage Calculators section to assist you in estimating your monthly payments, how much you can afford, and how much interest you can save by increasing your mortgage payment. Find more homebuying information at the Consumer Home Mortgage Information Web Site.

The sections below can help you learn more about CalHFA's unique Homeownership Programs and features.

Program Eligibility Information
Eligibility requirements and general procedures for first-time homebuyers.

Program Descriptions
Descriptions of the various loan programs and assistance options available.

Approved Lenders
Search for approved loan officers that can help you get started with a CalHFA program.

Other Housing Organizations
Links to other housing organizations

Homebuyers interested in applying for financing should contact one of CalHFA's approved lenders or fill out this short questionnaire to have a CalHFA Representative contact you.

CalHFA does not lend money directly to consumers. CalHFA works through and uses approved private lenders to qualify consumers and to make all mortgage loans. CalHFA purchases closed loans that meet CalHFA's requirements. The fees consumers pay could be different depending on the lender and the program.