A Essential Guide to Housing Relief

11. General Provisions. (a) Absolutely nothing in this order will be construed to hinder or otherwise impact: (i) the authority approved by law to an executive department or firm, or the head thereof; or (ii) the functions of the Director of the Workplace of Management and Budget plan relating to financial, administrative, or legislative proposals.

(c) This order is not intended to, and does not, produce any right or advantage, substantive or procedural, enforceable at law or in equity by any party against the United States, its departments, companies, or entities, its officers, workers, or agents, or any other person. (d) The costs for publication of this order shall be borne by the Department of the Treasury.

TRUMP THE WHITE HOME, March 13, 2026.

CalHFA offers California first-time buyers 4 working help programs in 2026: MyHome (approximately 3.5% of the price for down payment or closing expenses), ZIP (2% to 3% in zero-interest closing cost aid), MyAccess (a 2.5% delayed loan), and Dream For All (as much as 20% of the rate, capped at $150,000, for first-generation purchasers).

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The catch is eligibility: your certifying earnings should clear your county's 2026 limitation, one borrower needs a property buyer education certificate, and MyHome and Dream For All both require newbie purchaser status. Dream For All is closed as of July 2026, while MyHome and ZIP remain open year-round. This page sets out each program with the 2026 numbers, pulled from the company's published limits and lending institution matrices.

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Nothing sours a buyer faster than checking out last year's program that stopped taking applications. Free assessment Tell us your county, credit, and rough cost variety. We'll examine your income versus the current 2026 table and tell you which state programs your file actually supports, at no expense. 4 programs, one quick contrast.

Here is how they line up. ProgramWhat it coversAmountInterestKey requirementDown payment or closing costs3.5% (FHA), 3% (conventional, VA, USDA)Simple interest, deferredFirst-time purchaser; any CalHFA initially mortgageClosing expenses only2% or 3% of the very first mortgageZero interestCalPLUS initially mortgageDown payment or closing costs2.5% of the loan amountDeferredCalPLUS Gain access to first, coupled with MyHomeDown payment or closing costsUp to 20% of rate, max $150,000 Shared appreciationFirst-generation and novice purchaser; window-basedEvery row is a deferred junior loan.

The rest of this page walks every one in information. CalHFA is the California Real Estate Finance Firm, and it has financed homes given that 1975. It is self-supporting instead of taxpayer-funded. The company sells bonds and provides the earnings. That financing model is why its core programs stay open year after year while grant-funded programs reoccur.

Here is the part most buyers miss out on. The company never lends to you straight. A CalHFA-approved private lending institution comes from the loan, through loan officers the state has trained. The loan officer matters. One who rarely touches these files will not understand which pairings fit your situation. The bond-funded core runs continually.

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Dream For All is the exception, and we cover its window-based truth listed below. MyHome is a deferred-payment junior loan, the company's own term for a second mortgage with no month-to-month payments.

On standard, VA, and USDA loans the cap is 3%. The statewide median crowning achievement approximately $930,000 in May 2026, per the California Association of Realtors. Versus that price the FHA version deserves more than $30,000 of assistance. One correction, since a lot of pages get this incorrect and an older variation of this one did too.

The program handbook specifies it as a simple-interest loan. ZIP is the really zero-interest program. MyHome sits in 2nd lien position behind your first home mortgage.

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Purchasers who want assistance that forgives instead of delaying ought to compare the Elite Grant, which forgives in as low as 6 to 36 months on qualifying FHA files. Lenders call these "silent seconds" since the junior loan makes no monthly demand on your budget plan. Your housing cost is simply the first home mortgage, taxes, and insurance.

ZIP stands for No Interest Program. The loan equals 2% or 3% of your very first home loan, and it charges no interest.