California Home Buying Assistance May 2026

: A deferred-payment junior loan that provides up to 3% (for conventional loans) or 3.5% (for FHA/VA/USDA loans) of the purchase price for down payments or closing costs.

: 30-year fixed-rate mortgages that combine with the Zero Interest Program (ZIP) for closing costs. Steps to Buying a Home | CA Housing Finance Agency - CalHFA california home buying assistance

California offers several programs designed to reduce upfront costs for first-time buyers: : A deferred-payment junior loan that provides up

: Registration typically occurs in a window (e.g., February to March) followed by a randomized voucher drawing. california home buying assistance