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.

Archived Handbooks>>

Conventional Loans

CalHFA conventional loans program information and guidelines.

Archived Handbooks>>

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Down Payment Assistance Programs

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

Archived Handbooks>>

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Special Programs

Help existing homeowners pay for an Accessory Dwelling Unit.

Archived Handbooks>>

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Loan Submission Handbook

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

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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.

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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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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 June Lender Training have been posted

Latest Bulletins

Program Bulletin #2022-05 - CalHFA ADU Grant Program Updates

Program Bulletin #2022-04 - CalHFA Announces Forgivable Equity Builder Loan

Program Bulletin #2022-03 - Elimination of the Cap on MyHome Assistance Program

Latest Enews Announcements

Enews 03/17/22: Program Bulletin #2022-05

Enews 03/16/22: Program Bulletin #2022-04

Enews 02/08/22: CalHFA welcomes new Board Member Cervantes

Enews 01/19/22: Updated Minimum Credit Score Requirements for All Borrowers

Enews announcements can be found on our Archived Page