A Step-by-Step Manual to 2026 Relief

11. General Provisions. (a) Nothing in this order shall be construed to impair or otherwise impact: (i) the authority given by law to an executive department or agency, or the head thereof; or (ii) the functions of the Director of the Workplace of Management and Spending plan relating to monetary, administrative, or legal proposals.

(c) This order is not intended to, and does not, create any right or benefit, substantive or procedural, enforceable at law or in equity by any party against the United States, its departments, agencies, or entities, its officers, staff members, or representatives, or any other individual. (d) The expenses for publication of this order shall be borne by the Department of the Treasury.

TRUMP THE WHITE HOME, March 13, 2026.

CalHFA provides California first-time purchasers four working support programs in 2026: MyHome (up to 3.5% of the cost for down payment or closing expenses), ZIP (2% to 3% in zero-interest closing expense help), MyAccess (a 2.5% postponed loan), and Dream For All (as much as 20% of the price, topped at $150,000, for first-generation purchasers).

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The catch is eligibility: your certifying earnings must clear your county's 2026 limit, one debtor requires a property buyer education certificate, and MyHome and Dream For All both require newbie purchaser status. Dream For All is closed since 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 released limitations and loan provider matrices.

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Nothing sours a purchaser quicker than checking out last year's program that stopped taking applications. Free assessment Inform us your county, credit, and rough rate variety. We'll inspect your income against the existing 2026 table and inform you which state programs your file in fact supports, at no charge. 4 programs, one quick comparison.

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

CalHFA is the California Real Estate Financing Company, and it has funded homes given that 1975. That financing model is why its core programs remain open year after year while grant-funded programs come and go.

Here is the part most buyers miss. The firm never provides to you directly. 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 know which pairings fit your scenario. The bond-funded core runs continuously.

Immediate Housing Help to Save Your Home

Dream For All is the exception, and we cover its window-based reality below. MyHome is a deferred-payment junior loan, the firm's own term for a second home mortgage with no monthly payments.

On conventional, VA, and USDA loans the cap is 3%. The statewide typical home ran approximately $930,000 in May 2026, per the California Association of Realtors.

The program handbook specifies it as a simple-interest loan. Nothing leaves your pocket month to month. The balance you eventually repay is primary plus accumulated simple interest. ZIP is the truly zero-interest program. MyHome beings in 2nd lien position behind your first home loan. The combined loan-to-value of whatever stacked on the home can not exceed 105%.

A Essential Guide to Housing Relief

Lenders call these "silent seconds" because the junior loan makes no regular monthly need on your budget. Your housing cost is simply the first mortgage, taxes, and insurance coverage.

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