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CalHFA First-Time Homebuyers Program


CalHFA First-Time Homebuyers Program

CalHFA A Dream For All Program

CalHFA through the State of California is assisting first-time homebuyers by giving them 20% of a home's purchase price to use as a down payment with 0% interest. 20% of the home's purchase price is given as a loan. When you sell the house, you pay back the 20% plus 20% of the home's appreciation.

CalHFA A Dream For All Program are offering a limited amount of loans and the spaces fill up quickly.

Borrower Requirements:

  • First time home buyers (or you haven't owned a home in the last 3 years)
  • Occupy the property as a primary residence
  • 680 minimum FICO
  • Meet Income Limits
    • LA County: $180,000
    • OC County: $235,000
    • SD County: $211,000

Property Requirements:

  • Be a Single-Family, one unit residence including condominiums/PUDs. (Guest houses, granny units and in-law quarters may be eligible)
  • Condominiums must meet the guidelines of the first mortgage.
  • Must be livable/be able to occupy in first 60 days post closing

Things to Know:

  • 20% loan (at 0% interest loan)
  • 6.125% Fixed Rate
  • You're allowed to refinance one time
  • When you sell the house, you pay back the 20% plus 20% of the home's appreciation (Capped 2.5 x value if it does appreciate)
  • If the home does not appreciate you only pay the 20% loan, the government makes no money
  • If you take a loss on the property, you still pay back the 20% loan

We are here to answer any questions you might have. Call or text if you think this could be the right fit for you.



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