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
The Dream For All application window is now closed for new applications. If you have already applied and wish to check the status of your application, please access the Voucher Portal, and keep an eye on the email account you used to apply.

Archived Handbooks>>

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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 12/28/2023.  We are keeping grant program information available to help borrowers and lenders as they continue to process grants in their pipeline.

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 May Lender Training have been posted

Latest Bulletins

Program Bulletin #2024-06 - Updated 80% AMI income limits to determine Low Income eligibility

Program Bulletin #2024-05 - Dream For All Pre-Registration Portal

Program Bulletin #2024-04 - Updated Subordinate Loan Documents

Latest eNews Announcements

eNews 07/02/24: Housing Matters Newsletter - July 2024

eNews 07/01/24: California Housing Finance Agency's Tiena Johnson Hall picked for FHFA advisory committee

eNews 06/28/24: CA Dream For All Vouchers Have Been Issued to 1,700 California Families

eNews announcements can be found on our Archived Page