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How much house can you afford in California with down payment assistance?

Your real California affordability, the CalHFA MyHome Assistance Program match, and a step-by-step plan — in 30 seconds. No email required.

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The short answer: In California, the CalHFA MyHome Assistance Program (Deferred-payment junior loan) provides about 3% of the loan amount toward your down payment or closing costs. Paired with the FHA 31%/43% debt-to-income guidelines lenders use, this calculator shows exactly how much house you can afford in California — with that assistance factored in.

California down payment assistance program

CalHFA MyHome Assistance Program
Deferred-payment junior loan · California
about 3% of the loan amount

Up to 3% of purchase price/appraised value (whichever is lower), deferred second mortgage.

Official California program page →

California DPA — common questions

What down payment assistance is available in California?

California's main statewide option is the CalHFA MyHome Assistance Program — Up to 3% of purchase price/appraised value (whichever is lower), deferred second mortgage. It is a deferred-payment junior loan. Cities and counties in California often add their own programs on top.

How much house can I afford in California with assistance?

It depends on your income, debts and credit — the calculator applies the FHA 31%/43% DTI rule to estimate your price, then shows how much of your down-payment gap the CalHFA MyHome Assistance Program could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.

What credit score do I need for California down payment assistance?

Many state programs set a 620 minimum credit score alongside income limits based on area median income. Requirements are set by the agency — verify current terms on the official CalHFA MyHome Assistance Program page before applying.

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