Homeownership Partners

The Homeownership Division provides low interest rate home financing to low and moderate income, first-time homebuyers in California, as well as down payment and closing cost assistance. In addition, CalHFA's Mortgage Insurance Division provides discounted mortgage insurance, along with no-cost mortgage payment protection through HomeOpeners®. This section includes program descriptions, loan forms, interest rates, income and sales price limits and more >>

Multifamily Rental Development Partners

The Multifamily Division provides permanent financing for the acquisition, rehabilitation and preservation of existing rental housing, as well as new construction of rental housing. CalHFA-financed affordable units are targeted to very low to moderate income families, individuals with special needs, and others. This section includes program term sheets, applications, forms and more >>

Asset Management Partners

The Asset Management Division is responsible for the management of Agency-financed multifamily rental developments. Each project is monitored regarding its financial, physical and occupancy compliance with various regulations in California. This section includes handbooks, CalHFA lease documents, income limits and more >>

Locality Partners

CalHFA offers several specialty lending programs exclusive to local government entities.  These programs foster a partnership between CalHFA and local public housing agencies to provide the financial resources to create and maintain innovative housing stock, resulting in the production of desperately needed affordable housing units.  This section includes program descriptions, application submission details and more >>