Do I have to be a first-time buyer for CalHFA ZIP (Zero Interest 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 ZIP (Zero Interest Program) list?

The listed minimum credit score is 660.

CalHFA ZIP (Zero Interest Program)

CalHFA ZIP (Zero Interest Program) is a deferred closing cost assistance from California Housing Finance Agency. Available statewide in California. Up to 4% toward a home purchase. For first-time buyers. Income limit: County limit.

Up to 4%

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, Conventional
Sales price cap	CalHFA county sales price limits apply
Repayment	0% int.; deferred; due on sale/refinance/transfer/first_mortgage_payoff
Stacking	Stacks: calhfa-myhome, calplus-fha, calplus-conventional, calhfa-mcc
Notes	Always used in combination with MyHome + CalPLUS to get near-zero cash to close.

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

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

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