CalHFA MyAccess

California Housing Finance Agency offers MyAccess to first-time buyers in California: as much as 2.5% of what you borrow, as a deferred loan.

Amount: As much as 2.5% of what you borrow
Type of assistance: A loan you repay later
Limited to first-time buyers: Yes, though some exceptions apply

How do you pay back CalHFA MyAccess?

This loan is deferred: nothing is due until the home loan is paid off, or you sell or refinance.

You make no monthly payment on a deferred loan. The full balance comes due once you pay off the first mortgage, sell or refinance.

Who can get CalHFA MyAccess?

From June 30, 2026, CalHFA's county limits run from $192,000 to $325,000.
Limited to first-time buyers: yes, though there are exceptions.
You get it with a first mortgage that's either CalHFA CalPLUS Access FHA or CalPLUS Access Conventional.

Your county and household size set most of the limits. Use our HUD lookup to see the median income for your area and where your household falls.

Applying for CalHFA MyAccess

The California Housing Finance Agency pays this help through approved lenders, so you apply through one of them as part of your mortgage application.
Once the lender reviews the home, your credit and your income against the program's rules, it sets the money aside on your behalf.
At closing, the money is paid toward your closing costs and down payment.

To see the full rules and whether it's taking applications, go to California Housing Finance Agency's page for MyAccess, or choose a lender from the agency's participating lenders list.

Talk to a lender about CalHFA MyAccess

Tell us where you're buying and a lender that works with California's programs can tell you whether CalHFA MyAccess fits you, and what you could combine with it.

Call 866-602-7460

Don't want to call? Share your details, and the lender will get in touch with you.

More first-time buyer programs in California

CalHFA MyHome Assistance Program:
Deferred loan, capped at 3.5% of the price or value.
California Dream For All Shared Appreciation Loan:
A deferred loan of up to 20% of the price, capped at $150,000.
CalHFA Zero Interest Program (ZIP):
Deferred loan worth up to 3% of what you borrow.

Every California first-time buyer program · Down payment assistance in each state