CalHFA MyAccess
CalHFA MyAccess is a deferred silent second from California Housing Finance Agency. Available statewide in California. Up to 2.5% toward a home purchase. For first-time buyers. Income limit: County limit.
Up to 2.5%
Listed as open as of April 10, 2026
Available statewide in California.
| First-time buyer | Required |
|---|---|
| Income limit | County limit |
| Minimum credit score | 660 |
| Maximum DTI | 45% |
| Homebuyer education | Required |
| Property types | SFR, condo, PUD, manufactured |
| Occupancy | Owner-occupied primary |
| Eligible loan products | Conventional |
| Repayment | 0% int.; deferred; due on sale/refinance/transfer |
| Interest rate | 1% |
| Stacking | Stacks: calplus-access-conventional, calhfa-mcc |
| Notes | Pairs specifically with CalPLUS Access Conventional first mortgage. |
Provider: California Housing Finance Agency · program details at the provider’s site.
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