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 conventional loans program information and guidelines.
CalHFA FHA, USDA and VA loans program information and guidelines.
Down Payment Assistance Programs
CalHFA down payment and closing cost assistance programs help first-time homebuyers get equitable access to homeownership.
MyHome Assistance 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.
Help existing homeowners pay for an Accessory Dwelling Unit.
All funds for the Accessory Dwelling Unit Grant program were fully reserved as of 03/01/2023. We are keeping grant program information available to help borrowers and lenders as they continue to process grants in their pipeline.
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 Lender Training have been posted
Program Bulletin #2023-10 - CalHFA to Expand Temporary Buydown Options
Program Bulletin #2023-09 - Updated CalHFA State Reporting Disclosure
Program Bulletin #2023-08 - Updated ZIP Interest Rate Acknowledgment Form
Latest eNews Announcements
eNews 08/15/23: CalHFA helped create housing opportunities for more than 13,000 Californians last fiscal year
eNews 07/18/23: California Dream For All Shared Appreciation Loan Program Update
eNews 06/29/23: Accessory Dwelling Units Update
eNews announcements can be found on our Archived Page