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

Yes. The program lists a first-time buyer requirement.

Is there an income limit?

Yes. The listed income limit is County limit.

What credit score does CalHFA MyHome Assistance Program list?

The listed minimum credit score is 660.

CalHFA MyHome Assistance Program

CalHFA MyHome Assistance Program is a deferred silent second from California Housing Finance Agency. Available statewide in California. Up to 3.5% toward a home purchase. For first-time buyers. Income limit: County limit.

Up to 3.5%

Rate 1.000% · effective August 12 2026 07:35AM (Pacific Time) CalHFA rate sheet

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 (eHome or HUD-approved 8-hour course)
Property types	SFR, condo, PUD, manufactured
Occupancy	Owner-occupied primary
Eligible loan products	FHA, VA, USDA, Conventional
Sales price cap	CalHFA county sales price limits apply
Repayment	1.0% int.; deferred; due on sale/refinance/transfer/non_occupancy/first_mortgage_payoff
Interest rate	1%
Stacking	Stacks: calhfa-zip, calplus-fha, calplus-conventional, calhfa-mcc, calhfa-febl; Cannot stack: calhfa-dream-for-all
Notes	The flagship CA statewide DPA. Bond-funded, never runs out.

Source California Housing Finance Agency·official program page·Verified April 10, 2026

Provider: California Housing Finance Agency · program details at the provider’s site.

Check what you qualify for Ask Cal about your situation

See if CalHFA MyHome Assistance Program fits your purchase

Tell Cal how to reach you and a licensed loan officer will walk through this program, what it stacks with, and what you would actually qualify for. No spam, no list-selling.

More California programs

CalHFA ZIP (Zero Interest Program)

Deferred Closing Cost Assistance · Up to 4%
CalPLUS FHA

First Mortgage (for pairing with DPA) · Amount varies by program
CalPLUS Conventional

First Mortgage (for pairing with DPA) · Amount varies by program
CalHFA MyAccess

Deferred Silent Second · Up to 2.5%
CalHFA Dream For All Shared Appreciation Loan

Shared Appreciation Loan · Up to $150,000 or Up to 20%
CalHFA Forgivable Equity Builder Loan

Forgivable Loan · Up to 10%
CalHFA Mortgage Credit Certificate (MCC)

Federal Tax Credit · Up to $2,000 or Up to 20%
CalHFA School Teacher and Employee Assistance Program (STEAP)

Occupation-Based Deferred Silent Second · Up to 3.5%