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UNDER 640 FICO SCORE LOANS

ZERO DOWN & HALF PERCENT DOWN PURCHASE LOANS & MUCH MORE
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CalHFA    California Down Payment Program
 
CalHFA Down Payment and/or Closing Cost Assistance Program 
 
CalHFA has first and junior loan options for low to moderate income families, including low to zero interest rate down payment assistance loans. Many of our loan programs are for first time homebuyers and you do not need to be a first time homebuyer for CalHFA's FHA and Conventional first mortgage loans.
 

          Conventional Income Limits     FHA Income Limits          CA Sales Price Limits     Federal Income Limits

Learn about CalHFA’s financing options and eligibility requirements.   CalHFA flyer

 

This program is a down payment and/or closing costs assistance for First-Time HomeBuyers
 

Borrower Requirements

  • You must be a U.S. citizen, permanent resident or other qualified alien
  • You will need to meet credit and loan requirements and Income limits
  • Must be primary residence and you need to live in the home for the entire term or until the home is sold or refinanced
  • You must complete a homebuyer education counseling class and obtain a certificate of completion

 Sales Price Limits

  • The Single Family Program Sales Prices for eligibility purposes for new and existing resale homes
  • Sales price for purposes of eligibility refers to the total contract sales price, *acquisition cost. *means the cost of acquiring a residence from the seller as a completed unit. The term does not include usual and reasonable settlement or financing costs. It does include the amount of any lien or assessment to which the home is subject.

 

          

Senior Loan Officer, Sheryl Arndt

BRE# 01140252 NMLS# 297251

760-486-4225