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11. General Provisions. (a) Absolutely nothing in this order will be construed 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 Office of Management and Budget plan associating with monetary, administrative, or legislative proposals.

(c) This order is not planned to, and does not, create any right or benefit, substantive or procedural, enforceable at law or in equity by any party against the United States, its departments, companies, 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 offers California novice purchasers four working help programs in 2026: MyHome (approximately 3.5% of the price for deposit or closing costs), ZIP (2% to 3% in zero-interest closing expense help), MyAccess (a 2.5% deferred 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 income should clear your county's 2026 limitation, one customer needs a property buyer education certificate, and MyHome and Dream For All both require novice purchaser status. Dream For All is closed as of July 2026, while MyHome and ZIP stay open year-round. This page lays out each program with the 2026 numbers, pulled from the company's released limitations and loan provider matrices.

Future Changes in Housing Support

Nothing sours a purchaser much faster than checking out in 2015's program that stopped taking applications. Free evaluation Inform us your county, credit, and rough cost range. We'll examine your income versus the present 2026 table and inform you which state programs your file in fact supports, at no cost. 4 programs, one quick comparison.

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

The rest of this page walks each one in information. CalHFA is the California Housing Finance Company, and it has actually funded homes considering that 1975. It is self-supporting rather than taxpayer-funded. The firm offers bonds and provides the profits. That funding model is why its core programs remain open every year while grant-funded programs come and go.

Here is the part most purchasers miss. The firm never lends to you straight. A CalHFA-approved private lending institution stems the loan, through loan officers the state has actually trained. The loan officer matters. One who hardly ever touches these files will not understand which pairings fit your scenario. The bond-funded core runs continually.

Locating New Home Assistance Today

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

On standard, VA, and USDA loans the cap is 3%. The statewide median 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 very first home 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 first mortgage, taxes, and insurance.

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