Video Library Information for all Loan Programs, Submission & Lender Program Manual

CalHFA has organized its program information into convenient handbooks for easy reference. All the information for a given program—from qualifying criteria to forms & docs—is collected in one easy place. You can print them out for desktop reference, or browse and search them online in PDF format. Get familiar with their layout, and you'll be a CalHFA program whiz in no time.

Government Loans

CalHFA FHA, USDA and VA loans program information and guidelines.

CalHFA Government Loans Program Handbook - 06/13/2022
CalHFA Government Loans Program Matrix - 01/01/2023
CalHFA Government Loans Program FAQs - 08/24/2022

Archived Handbooks>>

Conventional Loans

CalHFA conventional loans program information and guidelines.

CalHFA Conventional Loans Program Handbook - 06/13/2022
CalHFA Conventional Loans Program Matrix - 01/01/2023
CalHFA Conventional Loans Program FAQs - 08/24/2022

Archived Handbooks>>

Down Payment Assistance Programs

Combine MyHome or the Forgivable Equity Builder Loan with any CalHFA first mortgage program above for added affordability

MyHome Assistance Program Handbook - 02/28/2022

Dream For All Shared Appreciation Loan Program Handbook - xx/xx/2023
Dream For All Frequently Asked Questions - xx/xx/2023

Dream For All Re-subordination policy - xx/xx/2023

Forgivable Equity Builder Loan Handbook - All funds for the Forgivable Equity Builder Loan program were fully reserved as of 11/30/2022. We are keeping loan program information available to help borrowers and lenders as they continue to process loans in their pipeline.

Archived Handbooks>>

Special Programs

Help existing homeowners pay for an Accessory Dwelling Unit. - All funds for the Accessory Dwelling Unit Grant program were fully reserved as of 12/09/2022. We are keeping grant program information available to help borrowers and lenders as they continue to process grants in their pipeline.

ADU Grant Term Sheet - 10/18/2022
Search for a CalHFA-Approved ADU Participation Lender
- ADU Lender Participation Agreement - 05/24/2022
- Application Process ADU Infographic

Archived Handbooks>>

Loan Submission Handbook

Both Pre-Closing Submission and Post-Closing Loan Delivery and Purchase processes in one easy handbook

Loan Submission Handbook - 04/04/2022

Lender Program Manual

CalHFA's Lender Program Manual is directed to mortgage professionals, such as lenders, loan officers, underwriters, brokers, escrow officers and servicers. It is intended as a guide for originating loans for purchase by CalHFA. The Manual is periodically amended and/or updated by Program Bulletins.

Lender Program Manual - 10/04/2021

Updates and changes will be announced from time to time via a Program Bulletin ("Program Bulletin" or "Program Bulletins") and Lenders should sign up for eNews announcements and monitor CalHFA’s website for specific Program Bulletin updates and changes to the Program Manual.

Whenever possible, CalHFA will provide its Lenders a five (5) business day notice via a CalHFA Program Bulletin or eNews announcement regarding program and policy changes.

Some exceptions may apply to the notification policy, such as daily interest rate announcements and changes directed by other state (e.g. State Treasurer’s Office), federal (e.g. GSEs, FHA) or private (e.g. Master Servicer and Mortgage Insurance provider) partners who have not allowed sufficient time for a 5-day notification.

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