CalHFA (California Housing Finance Agency) at calhfa.ca.gov is California's state HFA. It offers the MyHome Assistance Program (DPA deferred loan), Dream For All Shared Appreciation Loan, and CalHFA-backed first mortgages for qualifying first-time buyers.

What is the CalHFA Dream For All program?

Dream For All is a shared-appreciation loan covering up to 20% of the purchase price. On resale, CalHFA receives a proportional share of the home's appreciation. The program has had limited funding rounds; check calhfa.ca.gov for current availability.

Do I have to be a first-time buyer for CalHFA?

Most CalHFA programs require first-time buyer status (no ownership in any principal residence in the past 3 years). Some programs have exceptions for specific targeted areas. Verify at calhfa.ca.gov.

What is the conforming loan limit in California?

California has both standard and high-cost county limits. Many Bay Area, LA, and coastal counties have higher FHFA conforming limits. Check current county-specific limits at fhfa.gov. Loans above the limit require jumbo financing.

How do I find a CalHFA-approved lender?

CalHFA maintains a list of approved lenders at calhfa.ca.gov. HUD-approved housing counselors in California are listed at hud.gov/states/california.

Mortgages in California

California has the highest median home prices of any state. The Bay Area and Southern California metros far exceed FHFA conforming limits, requiring jumbo financing for most purchases. First-time buyer programs are concentrated in lower-cost inland and Central Valley markets.

More California guides

Personal Loans in California Auto Insurance in California Homeowners Insurance in California Renters Insurance in California Auto Loans in California Student Loans in California Life Insurance in California High-Yield Savings in California

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