Buy your first home with little money out-of-pocket using CalHFA's CalPLUS with ZIP program

The CalPLUS program can help you buy your first home even if you need a little help with a down payment or closing costs, thanks to CalHFA's MyHome program for down payment and the Zero Interest Program (ZIP) for closing costs. The 30-year mortgage has a slightly higher fixed interest rate compared to our standard first mortgage but includes enough mortgage assistance to help you become a homeowner now.

Kid running into new home
Kid running into new home

Am I eligible for CalPLUS?

Use this simple eligibility calculator to see if you meet CalHFA program requirements.

What should I do next?

Now, just contact a CalHFA Preferred Loan Officer to ask them about getting pre-qualified for the CalHFA CalPLUS program.

Have a CalHFA Representative Contact Me.

If you'd like to talk with a CalHFA Homebuyer representative or get a referral to a CalHFA Preferred Loan Officer who can get you started on your homebuying journey, click the "contact me" button and complete the form. A representative will contact you within 2 business days.

877.9.CALHFA (877-922-5432)


The amount of down payment assistance can vary based on loan amount and program combinations.