California First-Time Home Buyer Programs 2026
Up to $150,000 DPA available through California Housing Finance Agency (CalHFA). CalHFA Dream For All offers up to 20% of home price — the most generous DPA in the US.
Max Assistance
Up to $150,000 DPA
Type
Deferred shared appreciation
Min Credit
660+
Max Home Price
$660,000–$1,000,000+
Ready to apply for California assistance?
Get pre-approved in minutes — your lender will connect you with CalHFA programs automatically.
California First-Time Buyer Programs Comparison
| Program | Max Assistance | Type | Min Credit | Income Limit |
|---|---|---|---|---|
| CalHFA Dream For All Highest DPA in nation | Up to 20% of price | Shared appreciation deferred | 660+ | $180K–$300K |
| CalHFA MyHome Stack with Dream For All | 3.5% of price | 0% deferred loan | 660+ | $180K–$300K |
| CALHFA ZIP Close cost assistance | 3% closing costs | 0% deferred | 660+ | Same |
Eligibility Requirements
- ✓660+ credit score
- ✓Income within CalHFA limits by county
- ✓Homebuyer education (eHome America or Framework)
- ✓Primary residence only
- ✓Must use CalHFA-approved lender
Pro Tip
Dream For All lottery opens once per year — apply early. CalHFA programs available statewide in Los Angeles, San Francisco, San Diego, Sacramento and all CA counties.
How to Apply for California Programs
Get Pre-Approved
Work with a CalHFA-approved lender. They handle the state program paperwork for you.
Complete Education
Take the required homebuyer education course (online, ~6 hours, ~$75). Required by most state programs.
Close & Get Funds
The Deferred shared appreciation is applied at closing — you don't pay extra at the table.
Official Agency
California Housing Finance Agency
CalHFA — California official housing finance authority
Frequently Asked Questions
What is the best first-time home buyer program in California?
The best program in California is the CalHFA Dream For All, which offers Up to 20% of price as a Shared appreciation deferred. Minimum credit score: 660. Income limit: $180K–$300K.
How much down payment assistance is available in California?
California offers up to Up to $150,000 DPA through California Housing Finance Agency (CalHFA). The assistance is structured as a Deferred shared appreciation. Income limits are $180,000–$300,000 depending on household size and county.
What credit score do I need for California first-time buyer programs?
Most California programs through CalHFA require a minimum credit score of 660. Some programs may accept lower scores with compensating factors. Check with an CalHFA-approved lender for your exact score requirements.
What is the income limit for California first-time buyer programs in 2026?
In 2026, California income limits are $180,000–$300,000 depending on household size and county. The home price limit is $660,000–$1,000,000+. These limits are set by California Housing Finance Agency.
Don't Leave Up to $150,000 DPA on the Table
Pre-approval is free. Your lender will apply for CalHFA programs automatically — no extra work for you.
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