CalHFA MyHome Assistance Program
California Housing Finance Agency (CalHFA)
About This Program
The Grant Map catalogs CalHFA MyHome Assistance Program in its San Diego, CA research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
The CalHFA MyHome Assistance Program provides a deferred-payment junior loan for down payment or closing cost assistance of up to 3.5% of the purchase price for first-time homebuyers using a CalHFA first mortgage. The loan is due upon sale, refinance, or payoff of the first mortgage. Income limits apply and vary by county; in San Diego, the limit is set relative to San Diego Area Median Income.
Must be first-time homebuyer; must use a CalHFA first mortgage product; income limits apply (see CalHFA AMI limits for San Diego); loan deferred until sale/refinance; complete homebuyer education
Record set last reviewed 2026-04-03. How we verify our data.
Other published resources for San Diego, CA, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- SDHC Housing Rehabilitation Program, Home Repair Grant Up to $15,000 grant for emergency/accessibility repairs
- SDHC ADU Finance Program Up to $250,000 construction-to-permanent loan at 1%-4% fixed
- SDHC First-Time Homebuyer Program, Low Income Up to 19% of purchase price (max ~$125,000 loan) + $10,000 closing cost grant
- SDHC First-Time Homebuyer Program, Middle Income $40,000 deferred loan + $10,000 closing cost grant
Key Details
- Down payment/closing cost help: up to 3.5% of home purchase price
- Deferred junior loan, no payments until sale, refinance, or payoff
- Must use CalHFA first mortgage; first-time buyer only
- Income limits apply, check San Diego AMI limits at calhfa.ca.gov
- Complete homebuyer education course before applying
How to Apply
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Track this programProgram phone: 1-877-922-5432
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
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Your application paperwork
MyHome is a deferred-payment second (junior) loan from the California Housing Finance Agency that helps first-time homebuyers cover their down payment and closing costs. The assistance is up to 3.5 percent of the purchase price or appraised value (whichever is less) on a CalHFA FHA or government first loan, or up to 3 percent on a CalHFA conventional first loan. There are no monthly payments; repayment is deferred until you sell, refinance, pay off the first mortgage, or the loan term ends. CalHFA is not a direct lender, so there is no homeowner application form. You apply through a CalHFA-approved lender or loan officer, who packages MyHome together with your CalHFA first mortgage.
Steps to apply
- Find a CalHFA-approved loan officer using the official Find a Loan Officer locator at calhfa.ca.gov/homebuyer/lenders.htm, or call CalHFA at 877-922-5432.
- Complete the required homebuyer education and counseling course (eHome's eight-hour online course is the only accepted online option, about a 100 dollar fee) and get your certificate of completion.
- Work with the loan officer to apply for a CalHFA first mortgage, since MyHome is layered on top of it; the lender prepares and submits all CalHFA paperwork for you.
- Provide income, employment, and identity documents so the lender can confirm you meet the county income limit, the first-time homebuyer rule, and the owner-occupant requirement.
- Close on the home; the MyHome deferred-payment junior loan funds your down payment and closing costs at closing.
Documents you will likely need
- Homebuyer education and counseling certificate of completion (for example from eHome)
- Government-issued photo identification
- Proof of income (recent pay stubs and W-2 forms)
- Federal tax returns (typically the most recent two years)
- Recent bank statements
- Purchase agreement for the home being bought
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Rolling, must be used with CalHFA first mortgage
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Frequently asked questions
What audience tags are recorded for CalHFA MyHome Assistance Program in San Diego?
The directory record carries audience tags for homeowners. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for CalHFA MyHome Assistance Program in San Diego, CA?
Confirm the application route directly with California Housing Finance Agency (CalHFA); use the cited source on this page as a starting point or call 1-877-922-5432. Confirm any fee or cost with the administrator.
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More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in San Diego, CA
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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