Designed to help low-to-moderate income homebuyers purchase a home with a low down payment and flexible credit requirements.

CalHFA FHA

Offers a fixed interest rate for 30 years, designed to help low-to-moderate income homebuyers purchase a home with a low down payment and flexible credit requirements.

  • Minimum FICO scores of 640
  • Max DTI of 45% (50% DTI w/ 700+ FICO)
  • LTV/CLTV 96.5% / 100%
  • SFR, Condos, Manufactured Homes OK
  • CalHFA FHA program can be combined with the MyHome Assistance Program to provide additional down payment and closing cost assistance to eligible borrowers.

See product matrix for details

CalHFA FHA Matrix
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