Your real California affordability, the CalHFA MyHome Assistance Program match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your California number — free →A deferred-payment junior loan of up to the lesser of 3% of the purchase price or appraised value on CalHFA conventional loans, or 3.5% on CalHFA government (FHA) loans.
Official California program page →California's main statewide option is the CalHFA MyHome Assistance Program — deferred-payment junior loan administered by the agency or organization shown on its official program page. Many cities and counties in California add their own programs on top, so it is worth checking all three levels.
It depends on your income, debts and credit. The calculator applies the FHA 31%/43% debt-to-income rule to estimate your price, then shows how much of your down-payment gap California assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Exact requirements are set by the agency — verify current terms on the official CalHFA MyHome Assistance Program page before applying.