CalHFA Conventional Loan Program
CalHFA Conventional Loan Program is a first mortgage (conventional, fixed rate) from California Housing Finance Agency (CalHFA). Available statewide in California. For first-time buyers. Income limit: CalHFA county income limits.
Amount varies by program
Listed as open as of May 26, 2026
Available statewide in California.
| First-time buyer | Required |
|---|---|
| Income limit | CalHFA county income limits |
| Minimum credit score | 660 |
| Homebuyer education | Required |
| Sales price cap | Per FHFA conforming (~$806,500 standard, $1,209,750 high-cost in 2025) |
| Amount notes | N/A, first loan only (pair with MyHome DPA) |
| Notes | Lower rate than CalPLUS but can't combine with ZIP. |
| Phone | 877-922-5432 |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: California Housing Finance Agency (CalHFA) · program details at the provider’s site.
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