Each one of our programs may have different eligibility requirements. In general these are some of the requirements to know, but you’ll need to review individual program descriptions and speak to your loan officer to understand specific requirements for each program.

  • You will need to meet credit, income and loan requirements of the CalHFA lender and the mortgage insurer.
  • You must complete homebuyer education counseling and obtain a certificate of completion through an eligible homebuyer counseling organization.
  • For our down payment programs, you must be a first-time homebuyer. However, you do not need to meet this requirement for our first mortgage programs.
The best course is to chat with one of our Preferred Loan Officers.  Here's a list, searchable by county: