Eligibility requirements for CalHFA programs and general procedures for first-time homebuyers.

Eligibility Requirements
Once you determine your eligibility, you can see the program descriptions page to find a program that fits you.

• Borrower Requirements
• How to receive CalHFA financing
• Property Requirements
• CalHFA-defined High Cost and Non High Cost Areas
• Federal Designated Targeted Areas

General Information for first-time homebuyers

• Ten Tips for Homebuyers
• Federal Recapture Tax

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.