CalHFA Zero Down FInancing in California for First Time Home Buyers |

The California Housing Finance Agency (CalHFA) was established in 1975. CalHFA provides home financing and down payment assistance programs for low to moderate income Californians.

If you take out an eligible CalHFA first mortgage loan, you may be eligible for additional CalHFA down payment assistance:
•MyHome Assistance Program, which can be combined with the Zero Interest Program (ZIP)
•Conventional, FHA, and VA Programs
•School and Teacher Employee Assistance Program (formerly Extra Credit Teacher Home Purchase Program)
•Cal-EEM + GRANT – Energy Efficient Mortgage with Grant
•MCC – Mortgage Credit Certificate Tax Program

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