CalHFA - Affordable Housing Partnership Program

CalHFA partners with over 300 localities (cities, counties, housing authorities, nonprofit entities, and redevelopment agencies) to offer the AHPP. This program is intended for low income first-time homebuyers who meet specified income limits and who are purchasing a new or existing home anywhere in California.

How The Program Works

Low income borrowers who obtain direct financial assistance – such as down payment and closing cost funds – using a Pre-Approved Locality Program, may be eligible for a reduced interest rate on their CalHFA first mortgage loan.

(The low income reduced interest rate is not available on the CalHFA interest only PLUS^SM or the 40-Year Fixed Mortgage loan programs.)

Program Elements

Requirements	Details and Reference Sources
First-Time Homebuyer	Borrower must be a first-time homebuyer purchasing a primary residence intended for owner-occupancy.
Income Limits	Refer to CalHFA’s income limits established for the county in which the borrower is purchasing.
Sales Price Limits	Refer to CalHFA’s published sales price limits for the county in which the borrower is purchasing.
Citizenship	Be a U.S. citizen, permanent resident alien or other qualified alien
Property Eligibility	Single family, one unit residence, including condo/PUD. Manufactured housing must meet eligibility requirements.
Available Through Localities and Approved Lenders	Refer to the Locality or CalHFA’s approved lender list for a lender in your area.
Other Requirements	Must qualify for and meet the requirements of the CalHFA first mortgage loan, the lender, and the mortgage insurer/guarantor. Other program requirements may apply; please contact an approved lender for more details.

For More Information

To learn more about AHPP, contact us at:

CalHFA Homeownership Division
P.O. Box 4034 , Sacramento, CA 95812
Phone: 877.9.CalHFA
Email: homeownership@calhfa.ca.gov

Homebuyers interested in applying for financing, should contact one of CalHFA's approved lenders.

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. View the sample Truth in Lending disclosure here .