Do I have to be a first-time buyer for CalHome Program (HCD)?

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

Is there an income limit?

Yes. The listed income limit is ≤80% AMI.

CalHome Program (HCD)

CalHome Program (HCD) is a deferred silent second (locally administered) from California Department of Housing & Community Development. Available statewide in California. For first-time buyers. Income limit: ≤80% AMI.

Amount varies by program

Listed as open as of May 26, 2026

Available statewide in California.

First-time buyer	Required
Income limit	≤80% AMI
Homebuyer education	Required
Sales price cap	Varies
Amount notes	Varies ($40K-$150K typical)
Notes	HCD doesn't lend directly; apply via local agencies.
Phone	916-263-2771

Source California Department of Housing & Community Development·official program page·Listed May 26, 2026

Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: California Department of Housing & Community Development · program details at the provider’s site.

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