CalHFA MyAccess
California Housing Finance Agency offers MyAccess to first-time buyers in California: up to 2.5% of the home loan, as a deferred loan.
- Amount
- Up to 2.5% of the home loan
- Kind of help
- Deferred loan
- First-time buyers only
- Yes, with exceptions
How is CalHFA MyAccess paid back?
Deferred loan: no payments until you sell, refinance or pay off the home loan.
A deferred loan costs nothing each month, but the whole amount is due when you sell, refinance or pay off the first mortgage.
Who qualifies for CalHFA MyAccess?
- CalHFA limits by county, from $192,000 to $325,000 (from June 30, 2026).
- First-time buyers only: yes, with exceptions.
- It comes with a CalHFA CalPLUS Access FHA or CalPLUS Access Conventional first mortgage.
Most limits follow your county and household size. Our HUD income limits lookup shows your area's median income and where your household sits.
How to apply for CalHFA MyAccess
- California Housing Finance Agency pays this help out through its approved lenders, so you apply with one of them, together with your home loan.
- The lender checks your income, credit and the home against the program's rules and reserves the money for you.
- The help is paid at closing, toward your down payment and closing costs.
Read the full rules and whether it is taking applications on California Housing Finance Agency's page for MyAccess, or pick a lender from the agency's list of participating lenders.
Ask 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.
Rather not call? Send your details and the lender will reach you.
Other first-time buyer programs in California
- CalHFA MyHome Assistance Program: up to 3.5% of the price or value, deferred loan.
- California Dream For All Shared Appreciation Loan: up to 20% of the price, at most $150,000, deferred loan.
- CalHFA Zero Interest Program (ZIP): up to 3% of the home loan, deferred loan.
All California first-time home buyer programs · Down payment assistance in every state