California First Time Home Buyer Loan Programs

State and Local Mortgage Programs for 1st Time Property Buyers in CA

California First Time Home Buyer MortgageThere are several sources that will help first time property buyers get a mortgage loan in California. The agency that provides help throughout the state is the California Housing Finance Agency. They have two different mortgage loan offerings:

CalPLUS Loan Program
The CalPLUS program is an FHA-insured loan featuring a CalHFA fixed interest rate first mortgage.  This loan is fully amortized for a 30-year term and is combined with the CalHFA Zero Interest Program (ZIP) for down payment assistance only.




CalHFA FHA Loan Program
The CalHFA FHA program is an FHA-insured loan featuring a CalHFA fixed interest rate first mortgage.  This loan is fully amortized for a 30-year term and can be combined with either the California Homebuyer Downpayment Assistance Program (CHDAP) or the Extra Credit Teacher Program (ECTP). ”

Click here to find out more.

There are also these local mortgage propositions:

Fresno Housing Loans – “For additional information please call (559) 600-4292.”





For even more options, please visit our California Down Payment Assistance page.