California housing organizations offer grants, loans, financing, and other assistance programs for homebuyers, homeowners, renters, and communities.
California Housing Finance Agency (CalHFA)
Housing assistance programs administered by this organization.
ADU Grant
Discontinued grant program that provided up to $40,000 to help cover the costs of building an ADU.
View program →CalAssist Mortgage Fund
Provides mortgage payment assistance to eligible California homeowners whose primary residence was severely damaged or destroyed by a qualified disaster. Assistance is paid directly to the mortgage servicer and does not have to be repaid.
View program →CalHFA Conventional
Conventional mortgage with a fixed 30-year interest rate and optional access to CalHFA assistance programs.
View program →CalHFA Disaster Rebuilding Assistance Program (DRAP)
State program that expands access to construction and renovation financing for eligible California homeowners rebuilding after qualified disasters.
View program →CalHFA FHA
FHA Mortgage for fixed rate
View program →CalHFA MyHome Assistance Program
Deferred-payment junior loan that helps eligible first-time homebuyers cover down payment and closing costs when combined with a CalHFA first mortgage.
View program →CalHFA Section 184 Indian Home Loan Guarantee Program
Provides affordable home financing for eligible members of federally recognized Native American and Alaska Native tribes purchasing or refinancing a home in California. The program offers competitive fixed-rate mortgages and can be combined with CalHFA down payment assistance programs.
View program →CalHFA USDA
Provides eligible low- and moderate-income homebuyers with a USDA-guaranteed 30-year fixed-rate mortgage for homes in eligible rural and suburban areas, with no required down payment and the option to combine with CalHFA assistance programs.
View program →CalHFA VA
Provides eligible veterans, active-duty service members, and certain surviving spouses with a 30-year fixed-rate VA-insured mortgage featuring competitive financing, no required down payment, and the ability to combine with CalHFA down payment and closing cost assistance programs.
View program →California Dream For All Shared Appreciation Loan
Financial assistance for down payment and closing costs that is repaid later when the home is sold, transferred, or paid off.
View program →CalPLUS Conventional
Homebuyers receive a conventional mortgage and a separate 0% loan to reduce upfront closing costs.
View program →CalPLUS Conventional with ZIP
Provides a conventional fixed-rate first mortgage with the CalHFA Zero Interest Program (ZIP) to help eligible California homebuyers cover closing costs.
View program →CalPLUS Conventional+Access
Homebuyers receive a conventional mortgage and a separate 0% loan to help with down payment and closing costs.
View program →CalPLUS FHA
FHA mortgage plus a 0% loan for closing costs.
View program →CalPLUS FHA+Access
FHA mortgage with down payment and closing cost assistance through a separate 0% interest loan.
View program →Property Assessed Clean Energy
Financing program that helps homeowners pay for energy-efficient and water-saving home improvements through their property taxes.
View program →UC Shared Appreciation Loan Program
Employer-based shared appreciation down payment and closing cost assistance for eligible UC Santa Cruz employees.
View program →