Ways to Avoid Home Loss During 2026

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(c) This order is not meant to, and does not, create any right or advantage, substantive or procedural, enforceable at law or in equity by any party versus the United States, its departments, firms, or entities, its officers, employees, 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 buyers 4 working support programs in 2026: MyHome (approximately 3.5% of the cost for deposit or closing costs), ZIP (2% to 3% in zero-interest closing expense assistance), MyAccess (a 2.5% deferred loan), and Dream For All (as much as 20% of the rate, topped at $150,000, for first-generation purchasers).

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The catch is eligibility: your certifying earnings needs to clear your county's 2026 limit, one borrower needs a homebuyer education certificate, and MyHome and Dream For All both need novice buyer 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 agency's released limits and lending institution matrices.

Comparing Home Loan Refinance Help Today

Nothing sours a purchaser much faster than checking out about last year's program that stopped taking applications. We'll inspect your income versus the existing 2026 table and inform you which state programs your file really supports, at no cost.

Here is how they line up. ProgramWhat it coversAmountInterestKey requirementDown payment or closing costs3.5% (FHA), 3% (traditional, VA, USDA)Easy interest, deferredFirst-time purchaser; any CalHFA initially mortgageClosing expenses only2% or 3% of the first mortgageZero interestCalPLUS initially mortgageDown payment or closing costs2.5% of the loan amountDeferredCalPLUS Access first, coupled with MyHomeDown payment or closing costsUp to 20% of rate, 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 information. CalHFA is the California Housing Finance Company, and it has financed homes given that 1975. It is self-supporting rather than taxpayer-funded. The firm offers bonds and provides the proceeds. That financing model is why its core programs stay open year after year while grant-funded programs come and go.

The firm never lends to you straight. A CalHFA-approved private lender comes from the loan, through loan officers the state has actually trained. The loan officer matters.

Top Federal Grants to Help Families

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

On standard, VA, and USDA loans the cap is 3%. The statewide typical crowning achievement roughly $930,000 in May 2026, per the California Association of Realtors. Versus that cost the FHA variation deserves more than $30,000 of help. One correction, due to the fact that a lot of pages get this wrong and an older version of this one did too.

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

Emergency Housing Help to Save Your Home

Buyers who want help that forgives instead of deferring should compare the Elite Grant, which forgives in just 6 to 36 months on certifying FHA files. Lenders call these "silent seconds" due to the fact that the junior loan makes no month-to-month demand on your spending plan. Your housing cost is simply the first home mortgage, taxes, and insurance.

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