Loan Programs
First-Time Homebuyer
California has more homebuyer assistance programs than almost any other state. Let's find the ones you qualify for.
Down payment assistance programs
The biggest barrier for most California first-time buyers isn't qualifying for a payment — it's coming up with the down payment in one of the most expensive housing markets in the country. Multiple programs exist to help bridge that gap.
CalHFA MyHome Assistance
A deferred-payment second mortgage for down payment and/or closing costs. No payments due until you sell, refinance, or pay off the first loan.
CalHFA Dream For All
Shared appreciation program offering up to 20% of the purchase price toward down payment. Funding is limited and often goes fast — timing matters.
Fannie Mae HomeReady
3% down conventional loan with reduced PMI and flexible income counting — including income from household members not on the loan.
FHA 3.5% Down
The most widely used first-time buyer loan. 3.5% down with a 580+ credit score, and the entire down payment can come from a gift.
Ready to explore your options?
I'll walk you through every program you qualify for and help you choose the one that gets you into a home with the least out-of-pocket cost.
Start pre-qualification