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11. General Provisions. (a) Absolutely nothing in this order will be interpreted to hinder or otherwise impact: (i) the authority approved by law to an executive department or firm, or the head thereof; or (ii) the functions of the Director of the Office of Management and Spending plan relating to financial, administrative, or legislative proposals.

(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 versus the United States, its departments, firms, or entities, its officers, staff members, 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 HOUSE, March 13, 2026.

CalHFA gives California novice buyers 4 working assistance programs in 2026: MyHome (as much as 3.5% of the cost for deposit or closing costs), ZIP (2% to 3% in zero-interest closing cost assistance), MyAccess (a 2.5% postponed loan), and Dream For All (as much as 20% of the price, topped at $150,000, for first-generation buyers).

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The catch is eligibility: your qualifying earnings should clear your county's 2026 limitation, one debtor needs a property buyer education certificate, and MyHome and Dream For All both need newbie buyer status. Dream For All is closed since July 2026, while MyHome and ZIP remain open year-round. This page lays out each program with the 2026 numbers, pulled from the firm's released limits and lender matrices.

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Nothing sours a purchaser quicker than checking out about last year's program that stopped taking applications. We'll inspect your income versus the present 2026 table and inform you which state programs your file in fact supports, at no expense.

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

CalHFA is the California Housing 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 ever provides to you directly. A CalHFA-approved personal lending institution stems the loan, through loan officers the state has trained. The loan officer matters.

Why Housing Assistance Helps for You

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 second home mortgage with no regular monthly payments.

On traditional, VA, and USDA loans the cap is 3%. The statewide median crowning achievement roughly $930,000 in May 2026, per the California Association of Realtors. Versus that rate the FHA variation is worth more than $30,000 of help. One correction, because plenty of pages get this incorrect and an older version of this one did too.

The program handbook defines it as a simple-interest loan. ZIP is the really zero-interest program. MyHome sits in second lien position behind your very first mortgage.

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Lenders call these "quiet seconds" because the junior loan makes no month-to-month need on your budget. Your real estate cost is simply the very first mortgage, taxes, and insurance coverage.

For most purchasers that beats draining pipes cost savings at closing. The deferred balance grows gradually, and California equity has traditionally grown much faster, though no one can promise that pattern for any given year or neighborhood. ZIP represents Zero Interest Program. It is closing cost assistance in its purest type. The loan equates to 2% or 3% of your first home loan, and it charges no interest.