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Loan Scenario Calculator
- Now with MyHome -

The Scenario Calculator helps you compare CalHFA loans to determine what loan scenario works best for your client. (Best viewed in IE9 or higher, Chrome, Firefox or Safari)

File Review Status
Updated 12/12/2017
Loans in line Review Date

Compliance

35 Dec 8

Post-closing

MyHome/ZIP/ECTP

88 Dec 8

Subordinations

11 Dec 9

News & Updates

Video thumb Video: Cal-EEM + Grant helps homebuyers with $24,000 of energy upgrades

Program Bulletin #2017-13 Proposed Federal Tax Reform and the Uncertainty of Mortgage Credit Certificate Program

Program Bulletin #2017-12 Closing Document Revisions for MyHome Assistance Program and Extra Credit Teacher Home Purchase Program (ECTP) when combined with a CalHFA Government Insured/Guaranteed First Mortgage

Program Bulletin #2017-11 CalHFA Launches New CalHFA VA Loan Program

Program Bulletin #2017-10 Updated Sales Price Limits

Enews announcements can be found on our Archived Page

Did You Know?

Lenders receive a 1% Service Release Premium in addition to the origination fee on all CalHFA first mortgages!

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  • cALhfa va: 30-year, fixed rate mortgage for veterans and armed service members. Click for more info.
  • New save energy and money CalEEM + Grant Additional 4% Grant for energy upgrades with a 30year fixed EEM Mortgage. Click for more info.
  • MyHome Assistance Program: Down payment and closing cost help for first-time homebuyers
  • CalPLUS with ZIP: 30-year, fixed rate first mortgage packaged with down payment assistance
  • Tax credits- Mortgage Credit Certificate: Lower your taxes with our federal tax credit program. Click for more info.
  • Grade A+ Extra Credit Teacher Program Extra financial help for staff at California public schools. Click for more info.

TRID Frequently Asked Questions

The following are questions raised by CalHFA lenders. These answers are not legal advice and are only applicable to the delivery of subordinate loans to CalHFA. They may not be appropriate for other investors. Additionally, this is not a substitute for the TILA-RESPA rule. Lenders should consult with their legal and compliance departments to ensure that they are complying with all the regulatory requirements.

The information provided is subject to change based on additional regulator guidance. Check back often for new or update information. If you have questions about this resource or TRID as it relates to CalHFA, please contact lenderservices@calhfa.ca.gov.

Can lenders combine disclosures or provide the subordinate information on the 1st lien disclosure?
Should I use a TIL or CD for a ZIP loan?
If we charged a MERS fee to borrower for the ZIP loan, what disclosure should we use?
When must a lender use the TIL disclosure for a ZIP loan?
Can a lender provide a CD instead of a TIL for a ZIP loan, or vice versa?
It does not make sense to have a TIL if there is no interest, payments or fee. How does the lender fill out the TIL?
Does a lender have to use CalHFA's TIL form?
We are unable to provide an Itemization of Amount Financed. Is there another acceptable form or documentation? Why do I need to itemize non-financed amounts for the ZIP TIL?
How do lenders complete disclosures on the CD for the loan features of a CalHFA subordinate loan?
Does the lender have to use CalHFA's form?
Does CalHFA require borrower to sign the CD?
Does CalHFA require borrower to sign the TIL?
What fees does CalHFA allow for MyHome and ZIP loans?
What is CalHFA's policy in regards to re-disclosure of the CD on the day of closing?
Does CalHFA want lenders to type in "CalHFA Subordinate Loan" for the "Loan Type" on page 1 of the CD?
How will CalHFA handle reimbursements needed to cure tolerance issues identified after closing?
What if the lender does not provide a CD or TIL to the borrower for subordinate liens?
What if I provided the incorrect disclosure to the borrower?
What if I provided the incorrect disclosure to the borrower?
What if I thought the costs of the ZIP loan were going to be more than 1% and we provided the borrower an LE. At closing, the costs were actually less than 1%, requiring a TIL? Can I cure this?