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En Español

CalHFA's Homebuyer Education

ONLINE: You can take eHome's eight-hour Homebuyer Education course online

IN-PERSON: face-to-face Homebuyer Education through NeighborWorks America or any HUD-Approved Housing Counseling Agency

Eligibility Questions?


Contact Us

Call Toll Free 877.9.CalHFA

Cal-EEM + Grant Program

The Cal-EEM + Grant program combines an FHA-insured Energy Efficient Mortgage first mortgage loan with an additional Cal-EEM Grant, making energy efficient improvements even easier. The interest rate on the Cal-EEM is fixed throughout the 30-year term. The Cal-EEM can be combined with the Extra Credit Teacher Program (ECTP) for down payment assistance.

Review the sections below to find out more about the Cal-EEM + Grant program.

Cal-EEM + Grant program

Program Eligibility

Am I eligible to apply for this program?
Review the guidelines below for both “Borrower” and “Property” Requirements to determine if you may be eligible to apply for the CalPLUS FHA.

Borrower Requirements

  • Occupy the property as a primary residence; non-occupant co-borrowers are not allowed.
  • Complete homebuyer education counseling and obtain a certificate of completion through an eligible homebuyer counseling organization.
  • Meet CalHFA income limits for this program.

*In the case of conflicting guidelines, the lender must follow the more restrictive.

Property Requirements

  • Sales price of the home cannot exceed CalHFA's sales price limits established for the county in which the property is located
  • Be a single-family, one-unit residence, including approved condominium/PUDs
    • Guest houses, granny units and in-law quarters may be eligible
  • Manufactured home must be on a permanent foundation

*In the case of conflicting guidelines, the lender must follow the more restrictive.

Additional Property Guidelines

  • Condominiums must meet the guidelines of the first mortgage
  • Manufactured housing is not permitted
  • There is a five acre maximum on the size of the property
  • Leaseholds/Land Trusts and Co-ops are not permitted
  • Meet the requirements of the mortgage insurer/guarantor
  • Must be subject to a Home Energy Rating System (HERS) report
  • Must follow FHA EEM guidelines

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Cal-EEM + Grant program

Interest Rate

What is the interest rate?
Interest rates will vary depending on your financial circumstances, lender fees, and other factors. Interest rates can also change daily. We recommend that you check with a CalHFA-approved loan officer to receive an accurate rate quote for this program.

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.

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Cal-EEM + Grant program

Homebuyer Education Requirement

CalHFA firmly believes that homebuyer education is critical to the success and happiness of a homeowner, and requires homebuyer education for first-time homebuyers using a CalHFA program. CalHFA will accept hard or online copies of homebuyer education counseling certificates.

Who has to take this Homebuyer Education course?

Only one occupying first-time borrower on each loan transaction.

How do I take this education course?

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Cal-EEM + Grant program

How To Apply

How do I apply for this loan program?
Since CalHFA is not a direct lender, our mortgage products are offered through private loan officers who have been approved & trained by our Agency. These loan officers can help you find out more about CalHFA’s programs and guide you through the home buying process.

Visit the Find a Loan Officer tab, to contact a loan officer in your area.

What documents should I have ready when contacting a loan officer?
When initially contacting a loan officer, you may want to have this list of documents and information available to help answer questions that they will ask you:

  • Pay stubs
  • Bank statements
  • Employment history
  • Previous tax returns

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