New Federal Assistance Programs to Help Homeowners

11. General Provisions. (a) Nothing in this order shall be construed to impair or otherwise affect: (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 connecting to financial, administrative, or legal 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 against the United States, its departments, companies, or entities, its officers, employees, or representatives, or any other individual. (d) The expenses for publication of this order will be borne by the Department of the Treasury.

TRUMP THE WHITE HOME, March 13, 2026.

CalHFA offers California novice purchasers four working help programs in 2026: MyHome (as much as 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 cost, capped at $150,000, for first-generation purchasers).

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The catch is eligibility: your certifying earnings 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 since July 2026, while MyHome and ZIP remain open year-round. This page sets out each program with the 2026 numbers, pulled from the firm's released limitations and lending institution matrices.

Why Housing Relief Works for You

Absolutely nothing sours a purchaser faster than reading about last year's program that stopped taking applications. We'll inspect your income against the present 2026 table and inform you which state programs your file really supports, at no cost.

Here is how they line up. ProgramWhat it coversAmountInterestKey requirementDown payment or closing costs3.5% (FHA), 3% (standard, VA, USDA)Easy interest, deferredFirst-time purchaser; any CalHFA initially mortgageClosing costs only2% or 3% of the first mortgageZero interestCalPLUS initially 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 novice purchaser; window-basedEvery row is a deferred junior loan.

CalHFA is the California Real Estate Finance Company, and it has funded homes since 1975. That funding design is why its core programs stay open year after year while grant-funded programs come and go.

The company never ever lends to you straight. A CalHFA-approved personal loan provider comes from the loan, through loan officers the state has actually trained. The loan officer matters.

Ways to Prevent Home Loss During 2026

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 mortgage with no monthly payments.

On standard, VA, and USDA loans the cap is 3%. The statewide median crowning achievement approximately $930,000 in May 2026, per the California Association of Realtors. Against that rate the FHA version is worth more than $30,000 of aid. One correction, since 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. Absolutely nothing leaves your pocket month to month. However the balance you ultimately repay is primary plus accrued simple interest. ZIP is the genuinely zero-interest program. MyHome sits in 2nd lien position behind your very first home mortgage. The combined loan-to-value of everything stacked on the home can not go beyond 105%.

Available Housing Assistance Programs for Families

Lenders call these "silent seconds" since the junior loan makes no month-to-month need on your budget. Your real estate cost is just the first mortgage, taxes, and insurance.

For a lot of purchasers that beats draining pipes savings at closing. The deferred balance grows slowly, and California equity has actually historically grown quicker, though nobody can assure that pattern for any given year or community. ZIP represents Absolutely no Interest Program. It is closing expense help in its purest form. The loan equals 2% or 3% of your very first mortgage, and it charges no interest.