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First Time Buyers

Secrets to the American Dream of

Owning Your Home in Southern California


Opening Doors For First Time Home Buyers


Call, text or email Now!

1% Down Payment

CalHFA First-Time Homebuyer Program

California Housing Finance Agency, Since 1975
Affordable 30-Year Fixed Rate Mortgage.

  • Down payment assistance available to 99% when using FHA loan with CHDAP program
  • Minimum Fico Score of 640
  • Must be First Time Home Buyer (defined as anyone that has not owned a home in the last three years
  • On a large enough loan amount where 3% seller contribution covers all of the closing costs, the borrower would only need 1% to close at a reduced rate
  • Single Family residence, condo and townhome (no manufactured homes)
  • Homebuyer Counseling required
  • Must be Owner Occupied
  • Citizenship Requirement
  • Income and sales price limits apply


Family of 1-2: $110,760
Family of 3+ $129,220

Los Angeles

Family of 1-2: $102,480
Family of 3+ $119,560


Family of 1-2: $78,600
Family of 3+ $91,700

San Bernardino

Family of 1-2: $78,600
Family of 3+ $91,700


Family of 1-2: $105,720
Family of 3+ $123,340

San Diego

Family of 1-2: $98,880
Family of 3+ $115,360

3.5% Down Payment


Your First Mortgage


  • The California Housing Finance Agency offers a below market interest rate mortgage option

to first time home buyers.

  • The CalHFA FHA 30-year Fixed Mortgage provides up to 96.5% financing with a low, fixed interest rate that never changes during the life of the loan.
  • This first mortgage can be combined with CalHFA’s down payment assistance programs for added benefits.
  • Down Payment Assistance That Works
  • CalHFA can also help you with your down payment or closing costs. Payments on these one-of-a-kind loans are deferred, meaning you don’t have to pay them back until you sell, refinance or pay off your home.

California Homebuyer’s Downpayment Assistance Program (CHDAP)

  • Offers up to 3% down payment or closing cost assistance
  • Can be combined with any of CalHFA’s first mortgages Affordable Housing Partnership Program (AHPP)
  • A joint effort by CalHFA and many cities, counties and other nonprofits to offer a variety of down payment or closing cost programs

Information Supplied by
Troy Martin
Mortgage Planner and Certified
Liability Advisor
Licensed by the Department of Corporations under the California Residential Act License #413 0745. Subject to applicant and
property qualification and availability of funds. Rates and terms apply only to subject programs. Subject to applicant and property
qualification and availability of funds, subject to change without notice. This is not a commitment to lend. Restrictions
apply. All rights reserved. Registered with the Nationwide Mortgage Licensing System and Registry. #235470. Art by