CalPLUS FHA
CalPLUS FHA is a first mortgage (for pairing with dpa) from California Housing Finance Agency. Available statewide in California. For first-time buyers. Income limit: County limit.
Amount varies by program
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 |
| Repayment | 30-yr; amortizing |
| Stacking | Stacks: calhfa-myhome, calhfa-zip, calhfa-mcc |
| Notes | FHA first mortgage designed to pair with MyHome + ZIP for the full DPA stack. |
Provider: California Housing Finance Agency · program details at the provider’s site.
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More California programs
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Deferred Silent Second · Up to 3.5%
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Deferred Closing Cost Assistance · Up to 4%
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First Mortgage (for pairing with DPA) · Amount varies by program
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Deferred Silent Second · Up to 2.5%
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Shared Appreciation Loan · Up to $150,000 or Up to 20%
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Forgivable Loan · Up to 10%
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Federal Tax Credit · Up to $2,000 or Up to 20%
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Occupation-Based Deferred Silent Second · Up to 3.5%