California down payment assistance at a glance
The California Housing Finance Agency (CalHFA) offers first mortgages paired with down payment and closing cost assistance through approved lenders. Many counties and cities also run their own programs.
Want the full California breakdown? Our dedicated California guide covers programs, local options, and current details: visit the California DPA guide →
Statewide programs
CalHFA MyHome Assistance Program
A deferred-payment junior loan that can help with down payment and/or closing costs for eligible first-time buyers.
CalHFA Dream For All
A shared-appreciation down payment program for eligible first-generation buyers, offered in limited funding rounds.
CalHFA closing cost assistance
Programs that can help cover closing costs when paired with an eligible CalHFA first mortgage.
Local government programs
Many California cities and counties offer additional silent-second or deferred loans.
Program names, amounts, and eligibility change frequently and funding can pause. Always confirm current terms with a participating lender or the program administrator.
Local and city programs
Large metros such as Los Angeles, San Diego, Sacramento, and many Bay Area counties have their own assistance programs, often with different income limits and boundaries than CalHFA. Ask your lender to check programs for the specific address.
What California buyers should know
- Dream For All has opened in limited funding windows with high demand — preparing early matters.
- Shared-appreciation assistance means you repay the original amount plus a share of your home's appreciation when you sell or refinance.
- Income and purchase price limits vary significantly by county.
Next step
Matthew Brown is licensed in California and can check which statewide and local programs fit your income, credit, and the home you want to buy.