Immediate Mortgage Help for Save Your Home

11. General Provisions. (a) Nothing in this order will be interpreted to hinder or otherwise impact: (i) the authority approved by law to an executive department or company, or the head thereof; or (ii) the functions of the Director of the Office of Management and Budget plan connecting 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, firms, or entities, its officers, employees, or agents, or any other individual. (d) The expenses for publication of this order will be borne by the Department of the Treasury.

TRUMP THE WHITE HOUSE, March 13, 2026.

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

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The catch is eligibility: your qualifying income needs to clear your county's 2026 limitation, one customer requires a homebuyer education certificate, and MyHome and Dream For All both require first-time 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 firm's published limitations and lender matrices.

Essential Advantages of New Home Support Programs

Nothing sours a purchaser faster than reading about last year's program that stopped taking applications. Free assessment Tell us your county, credit, and rough price range. We'll inspect your income against the existing 2026 table and inform you which state programs your file really supports, at no charge. 4 programs, one quick contrast.

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

The rest of this page walks each one in detail. CalHFA is the California Housing Finance Firm, and it has actually funded homes since 1975. It is self-supporting rather than taxpayer-funded. The firm offers bonds and provides the earnings. That financing design is why its core programs remain open every year while grant-funded programs come and go.

Here is the part most buyers miss. The firm never lends to you directly. A CalHFA-approved personal loan provider comes from the loan, through loan officers the state has actually trained. The loan officer matters. One who hardly ever touches these files will not understand which pairings fit your scenario. The bond-funded core runs continually.

New State Grants to Help Homeowners

Dream For All is the exception, and we cover its window-based reality below. MyHome is a deferred-payment junior loan, the company's own term for a 2nd home mortgage with no monthly payments.

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

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

Ways to Manage Loan Payments Smartly in 2026

Lenders call these "quiet seconds" due to the fact that the junior loan makes no monthly demand on your spending plan. Your housing expense is simply the first home loan, taxes, and insurance coverage.

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