California Down Payment Assistance

Learn About California Down Payment Assistance

The following mortgage down payment assistance programs were developed by the California Housing Finance Agency (CalHFA). See more information about local California down payment assistance programs.

Affordable Housing Partnership Program (AHPP)

  • Developed to assist low and moderate-income first-time homebuyers with down payment assistance in California
  • CalHFA joins forces with 300 localities to offer this program

California Homebuyer’s Down Payment Assistance Program (CHDAP)

  • Provides deferred-payment junior loan (up to 3% of purchase price of appraised value, whichever is less) to first-time homebuyers seeking California down payment assistance
  • Approved for use with CalHFA or non-CalHFA fixed rate, first mortgage loans

School Facility Fee Down Payment Assistance Program (SFF)

  • Offers a partial or full rebate (conditional grant) of school facility fees paid by the builder
  • Applies to the purchase of newly constructed homes
  • Average rebate of $5,100 (depending on the school district and square footage)
  • Forgiven after 5 years if the buyer occupies the home for the duration

Home Buyer’s Education

To qualify for down payment assistance in California, buyers are required to complete a homebuyer’s education course through a Fannie Mae or Freddie Mac counseling agency, mortgage insurance companies, or a HUD-approved homebuyer counseling organization. Education completed online, over the phone, or face-to-face is accepted.