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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 11/24/2015
Loans in line Review Date


93 Nov. 18



68 Nov. 13

CHDAP Stand Alone

29 Nov. 13


1 Nov. 20

News & Updates

Video Library
Get to know CalHFA and our programs

Program Bulletin #2015-16 Changes to CalHFA's FHA Loan Program Guidelines

Program Bulletin #2015-15 Increased and Simplified Sales Price Limits

Press Release 2015-10-19 CalHFA Launches New Mortgage Assistance Program

Program Bulletin #2015-14 CalHFA opens all Loan Programs to Mortgage Brokers

Program Bulletin #2015-13 Updated Income Limits for all CalHFA Loan Programs

Program Bulletin #2015-12 Changes to Subordinate Loan Documents

Program Bulletin #2015-11 New CalHFA MyHome Assistance Program

Program Bulletin #2015-10 Discontinuation of the California Homebuyer's Downpayment Assistance Program (CHDAP) & CalHFA ZIP Extram

Did You Know?

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

CalHFA works with dozens of partner lending institutions.

The Single Family Division provides low interest rate home financing to low to moderate income homebuyers in California, as well as down payment and closing cost assistance. This section includes program descriptions, loan forms, interest rates, income and sales price limits and more.

In addition to the information organized in the above tabs, we've also provided a page dedicated to your role in the homebuying process. Visit the page below that best describes your job function to acquire information and tools specifically for you.

News & Updates

August 31, 2015

Further information from Helen Kanovsky, HUD General Counsel, regarding HUD's position on down payment assistance programs, like those offered by State Housing Finance Agencies


August 11, 2015

Get to know CalHFA and our programs by viewing our brand new Video Library.


July 20, 2015

Notice from Ed Golding, Principal Deputy Assistant Secretary for Housing and Head of the FHA, regarding HUD’s position on down payment assistance programs, like those run by State Housing Finance Agencies.


Direct Lenders

CalHFA works with partner lending institutions to offer low interest rate loans to low to moderate income homebuyers. Becoming a CalHFA Approved Lender may take some time, and the time is worth it, both to your bottom line and to your community. We hope you read further about the benefits of becoming a CalHFA approved lender, and what the process entails.
Visit the Direct Lender's Page >>

Loan Officers

CalHFA uses a network loan officers to help market and sell its loan products to low to moderate income homebuyers. These loan officers must work for one of our CalHFA Approved Lenders. We also administer the CalHFA Single Family Leads Program that recognizes the most knowledgeable loan officers; as well as provide marketing materials to help spread the word about the work we do. Please browse around for more information.
Visit the Loan Officer's Page >>


Brokers who work with low to moderate income homebuyers can get access to CalHFA products through CalHFA approved lenders that wholesale CalHFA loans. Brokers may participate in our Preferred Loan Officer program, as well as use any of our marketing materials to help spread the word. 
Visit the Broker's Page >>

Realtors & Real Estate Agents

Real estate agents are often the first point of contact for people purchasing a home, and CalHFA recognizes their importance to homebuying. CalHFA has marketing materials to help your clients make an informed choice about their home loans, and is also proud of its quick turnaround times for loan processing when you have a tight deadline for closing escrow. Please look around this section for more information on how becoming familiar with CalHFA loans can help your business, even with non-first-time homebuyers.
Visit the Realtor's Page >>


One of the most important benefits of using a CalHFA loan for a homebuyer is the access it provides to down payment assistance programs provided by California's local public agencies and nonprofit organizations. CalHFA is eager to form partnerships with local city and county government agencies, as they provide affordable housing inventory and down payment assistance. .
Visit the Localities/Nonprofit's Page >>

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