How to Stop Home Loss in 2026

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(c) This order is not intended to, and does not, produce any right or benefit, substantive or procedural, enforceable at law or in equity by any party against the United States, its departments, firms, or entities, its officers, employees, or representatives, 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 gives California newbie buyers 4 working help programs in 2026: MyHome (approximately 3.5% of the rate for down payment or closing expenses), ZIP (2% to 3% in zero-interest closing expense help), MyAccess (a 2.5% delayed loan), and Dream For All (as much as 20% of the cost, topped at $150,000, for first-generation buyers).

apfsc.org

The catch is eligibility: your certifying income must clear your county's 2026 limitation, one debtor needs a homebuyer education certificate, and MyHome and Dream For All both require first-time purchaser status. Dream For All is closed as of 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 limitations and lender matrices.

Available Federal Assistance Programs for Families

Nothing sours a purchaser faster than checking out about last year's program that stopped taking applications. We'll check your income versus the existing 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% (traditional, VA, USDA)Basic interest, deferredFirst-time buyer; any CalHFA first mortgageClosing costs only2% or 3% of the first mortgageZero interestCalPLUS first mortgageDown payment or closing costs2.5% of the loan amountDeferredCalPLUS Gain access to first, matched with MyHomeDown payment or closing costsUp to 20% of rate, max $150,000 Shared appreciationFirst-generation and novice purchaser; window-basedEvery row is a deferred junior loan.

The rest of this page strolls each one in detail. CalHFA is the California Housing Finance Firm, and it has actually financed homes because 1975. It is self-supporting rather than taxpayer-funded. The company offers bonds and provides the proceeds. That financing design is why its core programs remain open year after year while grant-funded programs come and go.

Here is the part most purchasers miss. The agency never provides to you straight. A CalHFA-approved private lending institution comes from the loan, through loan officers the state has trained. So the loan officer matters. One who seldom touches these files will not know which pairings fit your situation. The bond-funded core runs constantly.

How to Manage Loan Debt Effectively in 2026

Dream For All is the exception, and we cover its window-based truth listed below. MyHome is a deferred-payment junior loan, the company's own term for a second mortgage with no monthly payments.

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

The program handbook specifies it as a simple-interest loan. ZIP is the really zero-interest program. MyHome sits in 2nd lien position behind your first home mortgage.

Strategic Debt Management Advice in 2026

Lenders call these "silent seconds" due to the fact that the junior loan makes no monthly need on your spending plan. Your housing cost is simply the first mortgage, taxes, and insurance.

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