Proactive Debt Management Advice for 2026

11. General Provisions. (a) Absolutely nothing in this order will be construed to hinder 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 monetary, administrative, or legislative propositions.

(c) This order is not intended to, and does not, develop any right or advantage, substantive or procedural, enforceable at law or in equity by any party versus the United States, its departments, agencies, or entities, its officers, workers, or representatives, or any other person. (d) The expenses for publication of this order shall be borne by the Department of the Treasury.

TRUMP THE WHITE HOME, March 13, 2026.

CalHFA offers California newbie buyers 4 working assistance programs in 2026: MyHome (up to 3.5% of the rate for down payment or closing costs), ZIP (2% to 3% in zero-interest closing expense aid), MyAccess (a 2.5% delayed loan), and Dream For All (as much as 20% of the price, topped at $150,000, for first-generation purchasers).

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The catch is eligibility: your certifying earnings should clear your county's 2026 limit, one borrower needs 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 remain open year-round. This page lays out each program with the 2026 numbers, pulled from the company's released limits and lender matrices.

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Nothing sours a purchaser faster than checking out about last year's program that stopped taking applications. We'll inspect your earnings against the existing 2026 table and tell you which state programs your file actually supports, at no cost.

Here is how they line up. ProgramWhat it coversAmountInterestKey requirementDown payment or closing costs3.5% (FHA), 3% (conventional, VA, USDA)Basic interest, deferredFirst-time purchaser; any CalHFA initially mortgageClosing expenses only2% or 3% of the very first mortgageZero interestCalPLUS first mortgageDown payment or closing costs2.5% of the loan amountDeferredCalPLUS Gain access to first, combined with MyHomeDown payment or closing costsUp to 20% of rate, max $150,000 Shared appreciationFirst-generation and first-time buyer; window-basedEvery row is a deferred junior loan.

CalHFA is the California Real Estate Financing Company, and it has actually funded homes since 1975. That financing model is why its core programs remain open year after year while grant-funded programs come and go.

The company never lends to you directly. A CalHFA-approved personal lending institution originates the loan, through loan officers the state has trained. The loan officer matters.

Locating New Home Assistance in 2026

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

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

The program handbook defines it as a simple-interest loan. Absolutely nothing leaves your pocket month to month. The balance you eventually pay back is primary plus accumulated easy interest. ZIP is the genuinely zero-interest program. MyHome sits in 2nd lien position behind your first home mortgage. The combined loan-to-value of everything stacked on the home can not exceed 105%.

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Lenders call these "silent seconds" because the junior loan makes no regular monthly demand on your budget. Your real estate cost is just the very first home mortgage, taxes, and insurance coverage.

For the majority of purchasers that beats draining pipes cost savings at closing. The deferred balance grows slowly, and California equity has actually historically grown quicker, though no one can assure that pattern for any given year or area. ZIP means Absolutely no Interest Program. It is closing cost support in its purest type. The loan equals 2% or 3% of your first mortgage, and it charges no interest.