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

Conventional Loans | Government 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.

Conventional Loans

CalHFA conventional loans program information and guidelines.

Conventional Loans

Archived Handbooks>>

Government Loans

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

Government Loans icon

Archived Handbooks>>

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Down Payment Assistance Programs

CalHFA down payment and closing cost assistance programs help first-time homebuyers get equitable access to homeownership.

Down Payment Assistance Programs icon MyHome Assistance Program Dream For All Shared Appreciation Loan Program

* Funds for the California Dream For All Shared Appreciation Loan program have been reserved as of 04/07/2023. We are keeping program information available to help borrowers and lenders as they continue to process loans in their pipeline.

Archived Handbooks>>

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Special Programs

Help existing homeowners pay for an Accessory Dwelling Unit.

Special Programs icon

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

Loan Submission Handbook icon

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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.

Lender Program Manual icon

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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 December Lender Training have been posted

Latest Bulletins

Program Bulletin #2023-12 - CalHFA allocated additional funding for the CalHFA ADU Grant Program

Program Bulletin #2023-11 - Change in Extension Fees on CalHFA’s First Mortgage Loan Products

Program Bulletin #2023-10 - CalHFA to Expand Temporary Buydown Options

Latest eNews Announcements

eNews 10/27/23: California Housing Finance Agency Director Elected to National Board; Agency Earns Two Awards

eNews 10/26/23: CalHFA Board of Directors Approves Next Rounds of ADU and Dream For All programs

eNews 10/13/23: CalHFA's October Update With Eric Johnson

eNews announcements can be found on our Archived Page