Emergency Mortgage Support to Protect Your Home

11. General Provisions. (a) Absolutely nothing in this order shall be interpreted to impair or otherwise affect: (i) the authority granted by law to an executive department or agency, or the head thereof; or (ii) the functions of the Director of the Workplace of Management and Budget plan connecting to budgetary, administrative, or legislative propositions.

(c) This order is not intended to, and does not, develop any right or benefit, substantive or procedural, enforceable at law or in equity by any party against the United States, its departments, agencies, or entities, its officers, employees, or agents, or any other person. (d) The costs for publication of this order will be borne by the Department of the Treasury.

TRUMP THE WHITE HOUSE, March 13, 2026.

CalHFA provides California novice purchasers four working assistance programs in 2026: MyHome (as much as 3.5% of the cost for down payment or closing costs), 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 rate, topped at $150,000, for first-generation buyers).

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The catch is eligibility: your certifying income must clear your county's 2026 limit, one borrower requires a property buyer education certificate, and MyHome and Dream For All both require newbie purchaser status. Dream For All is closed as of July 2026, while MyHome and ZIP stay open year-round. This page sets out each program with the 2026 numbers, pulled from the firm's published limits and lending institution matrices.

2026 Trends in Housing Relief

Nothing sours a buyer faster than checking out about last year's program that stopped taking applications. We'll inspect your income against the present 2026 table and tell you which state programs your file really supports, at no expense.

Here is how they line up. ProgramWhat it coversAmountInterestKey requirementDown payment or closing costs3.5% (FHA), 3% (conventional, VA, USDA)Simple 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 Gain access to first, paired with MyHomeDown payment or closing costsUp to 20% of cost, max $150,000 Shared appreciationFirst-generation and novice purchaser; window-basedEvery row is a deferred junior loan.

The rest of this page walks each one in detail. CalHFA is the California Housing Financing Firm, and it has financed homes given that 1975. It is self-supporting instead of taxpayer-funded. The firm offers bonds and lends the earnings. That funding design is why its core programs remain open every year while grant-funded programs reoccur.

The firm never provides to you directly. A CalHFA-approved private loan provider originates the loan, through loan officers the state has trained. The loan officer matters.

Smart Methods to Reduce Mortgage Costs in 2026

No application season, no lotto, no race against a funding swimming pool that clears mid-year. That reliability pays off when you plan months ahead. Dream For All is the exception, and we cover its window-based reality listed below. MyHome is a deferred-payment junior loan, the company's own term for a 2nd home loan with no regular monthly payments.

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

The program handbook specifies it as a simple-interest loan. Nothing leaves your pocket month to month. But the balance you eventually pay back is principal plus accumulated basic interest. ZIP is the genuinely zero-interest program. MyHome sits in second lien position behind your very first home loan. The combined loan-to-value of whatever stacked on the home can not surpass 105%.

Key Advantages of New Home Support Programs

Buyers who want help that forgives rather of postponing should compare the Elite Grant, which forgives in as little as 6 to 36 months on qualifying FHA files. Lenders call these "quiet seconds" since the junior loan makes no month-to-month need on your spending plan. Your real estate cost is simply the first home mortgage, taxes, and insurance.

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