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.
CalHFA FHA, USDA and VA loans program information and guidelines.
CalHFA conventional loans program information and guidelines.
Down Payment Assistance Programs
Combine MyHome or the Forgivable Equity Builder Loan with any CalHFA first mortgage program above for added affordability
Help existing homeowners pay for an Accessory Dwelling Unit.
Loan Submission Handbook
Both Pre-Closing Submission and Post-Closing Loan Delivery and Purchase processes in one easy handbook
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.
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.
The Scenario Calculator helps you compare CalHFA loans to determine what loan scenario works best for your client.
Dates for October & November Lender Training have been posted
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