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

Government Loans | Conventional Loans | Down Payment Assistance Programs | Special Programs | Loan Submission | Lender Program Manual | Refinance

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.

Government Loans icon

Archived Handbooks>>

Conventional Loans

CalHFA conventional loans program information and guidelines.

Conventional Loans

Archived Handbooks>>

back to top

Down Payment Assistance Programs

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

Down Payment Assistance Programs icon

Archived Handbooks>>

back to top

Special Programs

Help existing homeowners pay for an Accessory Dwelling Unit.

Special Programs icon

Archived Handbooks>>

back to top

Loan Submission Handbook

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

Loan Submission Handbook icon

back to top

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 icon

back to top

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.

back to top

Scenario CalculatorLoan Scenario Calculator

The Scenario Calculator helps you compare CalHFA loans to determine what loan scenario works best for your client.

News & Updates

Dates for October & November Lender Training have been posted

Latest Bulletins

Program Bulletin #2022-09 - Forgivable Equity Builder Loan Updates to Combined-Loan-to-Value

Program Bulletin #2022-08 - Change in Extension Fees on CalHFA's First Mortgage Loan Products

Program Bulletin #2022-07 - Updates to the Maximum DTI

Latest Enews Announcements

Enews 07/14/22: CalHFA expands partnerships for the ADU Grant Program

Enews 07/12/22: CalHFA Celebrates Helping Thousands of California Homebuyers

Enews 06/30/22: Program Bulletin #2022-09

Enews announcements can be found on our Archived Page