Program CalHFA Down payment and closing cost help
CalHFA MyHome Assistance for 2026: San Bernardino County
Written by Colleen Olivas, NMLS #379721 Last reviewed: October 2026
Quick answer
CalHFA MyHome Assistance is a deferred second loan from the California Housing Finance Agency. It helps first-time buyers with down payment and closing costs, and it must be paired with a CalHFA first mortgage. Repayment waits while you keep that first loan. It comes due when you sell, refinance or pay off the first loan. Subject to eligibility and availability.
On this page (17 sections)
Two-minute check
Could MyHome fit you?
Four questions from CalHFA's published rules. Your answers aren't sent or saved. If you allow analytics, we count only that the check was finished and its general result.
Answer the four questions to see where you stand.
This is a starting point, not a pre-approval or a promise. Your first mortgage, income, credit and the home decide the rest. Subject to eligibility and program availability.
Opening: what this guide covers
For a buyer in San Bernardino County, one of the first questions is whether help exists for the cash needed up front. CalHFA's income limit for San Bernardino County is $210,000 for its first mortgage and second loan programs (except Dream For All), effective 06/30/2026. That is a published limit you can look up before you assume you are outside it.
MyHome Assistance is one of the programs CalHFA offers for that cash gap. It is also often misunderstood. People hear "assistance" and picture a gift. MyHome is a loan. Repayment is put off while you keep the first loan, but it will be repaid later. That is a fair trade for some buyers and a poor one for others, and you should be able to tell which before you sign.
The county points residents to CalHFA for this kind of help. San Bernardino County Community Development and Housing says on its site that it no longer offers down payment assistance. The City of Rancho Cucamonga's housing page lists no down payment program (both checked October 28, 2026).
This guide covers how the deferred second loan works and when it is repaid, which first mortgages it pairs with, who qualifies, the steps to buy, common mistakes, and how it compares with ZIP and GSFA Platinum. We explain each mortgage word the first time we use it, and we treat every applicant the same way and explain the same rules in English or Spanish; our team walks buyers through CalHFA programs in Spanish.
We can't tell you whether MyHome fits before we see your numbers. What we can do is help you ask better questions.
Key takeaways
- MyHome Assistance is a deferred second loan from CalHFA, not a grant. Repayment waits while you keep the first loan. It is repaid at the earliest of a sale or transfer of title, a payoff or refinance of the first loan, or a recorded Notice of Default (unless rescinded).
- It must be paired with a CalHFA first mortgage and offered through a CalHFA-approved lender. It cannot be used alone, and it cannot pay off your debts or give you cash back.
- The San Bernardino County income limit is $210,000, effective 06/30/2026. There is no sales price limit, but loan limits still apply.
- You must be a first-time buyer, live in the home within 60 days, and borrow without a non-occupant co-borrower or co-signer. One occupying first-time borrower must complete homebuyer education.
- Your credit score and debt-to-income ratio (DTI) follow the first mortgage you choose, not MyHome. The assistance is a percentage of the price, set by CalHFA and the first mortgage type.
What is the CalHFA MyHome Assistance Program?
MyHome Assistance is a down payment and closing cost program run by CalHFA, the California Housing Finance Agency, a state agency that helps people buy homes. It is for first-time buyers purchasing an owner-occupied home in California, and it is only available through a CalHFA-approved lender.
In plain words, it is a second loan. A "second loan" (also called a subordinate loan) is a smaller loan that sits behind your main mortgage. If the home were ever sold and the proceeds had to be shared, the first mortgage is paid first and the second is paid after it. "Deferred" means you do not make payments on it right now. CalHFA describes MyHome as a deferred-payment, simple-interest, subordinate loan. "Simple interest" means interest is figured on the original amount only, not on interest that has already built up. CalHFA publishes no rate for MyHome. It says interest rates "will vary depending on your financial circumstances, lender fees, and other factors" (CalHFA MyHome page, checked October 28, 2026).
People get four things wrong about this program.
It is not a grant. A grant is money you do not repay. MyHome is a loan. It will be repaid when one of the events below happens.
It does not replace the first mortgage. MyHome sits behind a CalHFA first mortgage. You still have to qualify for that first loan with your income, credit and debts.
It cannot pay your debts or give you cash. CalHFA does not allow MyHome funds to pay off borrower debt, and no cash comes back to you at closing.
It is not available through every lender. CalHFA programs are only offered through CalHFA-approved lenders. A lender outside the program cannot offer it, even if the buyer qualifies.
CalHFA MyHome Assistance for 2026: San Bernardino County
This is the heart of the program: how the second loan is built, how it is repaid, and what it pairs with.
How the deferred second loan works
When you close, you have two loans on the home. The first is the CalHFA first mortgage. The second is MyHome. The first mortgage has your regular payment. MyHome has no regular payment. It is deferred for the life of the first loan, and its term matches the first mortgage.
Interest on MyHome is simple interest. Because CalHFA publishes no rate and says it varies, ask any lender for the exact terms in writing before you commit. We do not quote one here.
How big is the assistance? It is a percentage of the sales price or appraised value, set by CalHFA and the first mortgage type. CalHFA uses a different cap for FHA than for conventional, USDA and VA loans, and there is a combined loan-to-value limit across the two loans. Ask us for the current figures on the day you call, and read them on CalHFA's program page too. We do not publish them here because they change and carry extra advertising rules.
When MyHome is repaid
CalHFA's program sheet lists these repayment events. The loan is repaid at the earliest of:
| Event | What it means in plain words |
|---|---|
| Transfer of title | Ownership of the home changes hands |
| Sale | You sell the home |
| Payoff or refinance of the first loan | You pay off the CalHFA first mortgage, or replace it with a new loan |
| A recorded Notice of Default (unless rescinded) | The first mortgage lender formally records that the loan is in default, and that notice has not been withdrawn |
Source: CalHFA MyHome Assistance Program sheet, last revised October 19, 2026. Checked 2026-10-28. https://www.calhfa.ca.gov/homeownership/programs/myhome.pdf
The refinance row matters most. Many buyers expect to refinance someday. If you do, MyHome comes due. CalHFA says it "now requires all subordinate loans to be paid in full if the first mortgage is refinanced." Leaving the second loan in place behind a new first loan (called resubordination) ended July 1, 2019, except in loss-mitigation cases handled by the servicer (CalHFA refinance page, https://www.calhfa.ca.gov/homeownership/programs/refi.htm, checked October 28, 2026). Ask about this before closing, not after.
Which CalHFA first mortgages it pairs with
MyHome must go with a CalHFA first mortgage. CalHFA lists these pairings:
| First mortgage | Notes |
|---|---|
| CalHFA FHA | FHA-insured first mortgage |
| CalPLUS FHA | CalPLUS has a slightly higher fixed rate than the standard CalHFA loan and must use ZIP |
| CalHFA Conventional | Conventional first mortgage, run through automated underwriting |
| CalPLUS Conventional | Must use ZIP |
| CalHFA USDA | Rural development loan; the property must be in an eligible area; check it at USDA's property eligibility tool (https://eligibility.sc.egov.usda.gov/, checked October 28, 2026) |
| CalHFA VA | For eligible veterans and service members |
Source: CalHFA MyHome Assistance Program sheet; CalHFA program overview at https://cloud.calhfa.ca.gov/homebuyer/programs/index.htm. Checked 2026-10-28.
A first mortgage that comes with a higher rate (CalPLUS) is a trade-off, and it is the kind of thing we lay out side by side. The assistance is only one part of what you pay over time. The first mortgage usually sets most of it. MyHome and ZIP can both sit on a CalPLUS FHA loan. MyHome is in second position and ZIP is in third, behind it (CalHFA government loan handbook, https://www.calhfa.ca.gov/homeownership/programs/loans-gov.pdf, checked October 28, 2026).
Fees and the lender
CalHFA caps the lender processing fee for MyHome, and normal third-party fees such as appraisal and title are still allowed. We do not state fee amounts here. Ask any lender for a written fee breakdown.
The numbers that matter in San Bernardino County
| Item | What it says | Source |
|---|---|---|
| Income limit, San Bernardino County | $210,000, effective 06/30/2026 | CalHFA income limitsChecked Oct 28, 2026 |
| Sales price limit | None since June 1, 2020. Loan limits still apply | CalHFA limits pageChecked Oct 28, 2026 |
| Largest first mortgage | Depends on the first mortgage. Conventional uses the 2026 baseline of $832,750 | FHFA 2026 loan limitsChecked Oct 28, 2026 |
| Dream For All income limit, for comparison | $168,000, effective 06/30/2026 | CalHFA Dream For All limitsChecked Oct 28, 2026 |
The $832,750 figure is the national baseline; CalHFA uses it. CalHFA's income table gives one figure for the county ($210,000), with no separate figure by household size.
The current income limit took effect 06/30/2026. Do not assume it carries into 2027.
"No sales price limit" does not mean no limit at all. The first mortgage must fit loan limits. It must also meet the first mortgage's appraisal rules and your qualifying numbers.
Who qualifies
Here are the rules, one at a time. Rules apply to everyone the same way.
You must be a first-time buyer
CalHFA's definition: you have not owned a principal residence in the past 3 years. That includes a home owned by your spouse that you lived in. Every borrower, including any co-borrower, must be a first-time buyer. If you owned a home five years ago, you may still qualify. If you lived in a spouse's home within the past 3 years, you may not.
You must occupy the home
The home must be owner-occupied. Every borrower must live in the home and move in within 60 days of closing. MyHome is not available for an investment property or a second home.
No non-occupant co-borrowers or co-signers
Some loans let a parent or relative who will not live in the home sign on to help a borrower qualify. MyHome does not. Everyone on the loan must live in the home.
Citizenship and residency status
Borrowers must be U.S. citizens, nationals or qualified aliens.
Income within the limit
Your household income must fall at or below the county limit above: $210,000 for San Bernardino County.
Homebuyer education
One occupying first-time borrower per loan must complete homebuyer education. CalHFA accepts:
- the online eHome course (an 8-hour course), or
- an in-person or virtual class through NeighborWorks or a HUD-approved housing counseling agency.
Source: https://cloud.calhfa.ca.gov/homebuyer/programs/myhome.htm, checked 2026-10-28. Sign up early, so the certificate is not what holds up your closing. Ask us when yours is due.
Credit and DTI follow the first mortgage
MyHome does not set its own credit score or DTI rules. Your first mortgage does. DTI, or debt-to-income ratio, is your monthly debts, including the new housing payment, divided by your gross (before-tax) monthly income. Lenders use it to see whether a payment fits your budget.
CalHFA's matrices (dated 01/01/2026) show these pairs:
| First mortgage | Underwriting | Maximum DTI at minimum credit score |
|---|---|---|
| FHA | Automated (DU) | 45% DTI at a 640 credit score, or 50% DTI at 700 |
| FHA | Manual | 43% DTI at 660 |
| Conventional | Automated (DU) only | 45% DTI at 680, or 50% DTI at 700 |
| VA | Automated (DU) | 45% DTI at 640, or 50% DTI at 700 |
| USDA | Automated (DU) | 45% DTI at 640, or 50% DTI at 700 |
Sources: CalHFA government matrix, https://www.calhfa.ca.gov/homeownership/materials/files/tool-matrix-gov.pdf; CalHFA conventional matrix, https://www.calhfa.ca.gov/homeownership/materials/files/tool-matrix-conventional.pdf. Matrices dated 01/01/2026; checked 2026-10-28. They change, and meeting a minimum does not guarantee approval.
Two things to know. "DU" is Desktop Underwriter, the automated system that reviews a file. And these are the matrix limits: the highest DTI allowed at each minimum credit score. They are not promises. The lender must document and verify your income, employment, assets, debts and credit history, and the property must meet the first mortgage's requirements, including the appraisal.
Step by step: how to use MyHome to buy
1. Check your starting point
Write down your gross monthly income, your monthly debts, what you have saved, and the area where you want to buy. Rough numbers are enough. Compare your household income with the county limit.
2. Talk to a CalHFA-approved lender
MyHome is only offered through CalHFA-approved lenders. CalHFA has a lender search (https://www.calhfa.ca.gov/apps/approvedlenders, by county, city or lender) and a "Find a Loan Officer" page (https://calhfa.ca.gov/homebuyer/lenders.htm). CalHFA says it works only with approved loan officers who are familiar with its programs, and that a branch may not have loan officers on site trained to process CalHFA loans. Ask any lender whether the loan officer you will work with is approved (checked October 28, 2026). New American Funding is on CalHFA's approved lender list, and our office at 8463 Haven Avenue appears in CalHFA's lender search (checked October 30, 2026). CalHFA's phone line is 877-922-5432.
3. Sign up for homebuyer education
Do this early. It is a requirement for one occupying first-time borrower on the loan.
4. Get pre-approved with MyHome in mind
A pre-approval means a lender has reviewed your documents and says how much it may be willing to lend. The CFPB says both terms refer to a letter saying a lender is generally willing to lend to you, that they are "not guaranteed loan offers," and that the words used don't tell you much about a particular lender's process (https://www.consumerfinance.gov/ask-cfpb/whats-the-difference-between-a-prequalification-letter-and-a-preapproval-letter-en-127/, checked October 28, 2026). Tell the lender at the start that you want to look at MyHome. The first mortgage choice depends on it.
5. Shop with the loan limits in mind
There is no CalHFA sales price limit, but the first mortgage has loan limits. Your agent can filter by price once we tell you your range.
6. Make an offer and reserve the funds
Lenders reserve CalHFA funds through CalHFA's Mortgage Access System. CalHFA says reservations may be made after the buyer and seller have signed a sales contract, so this step comes after your offer is accepted (https://www.calhfa.ca.gov/homeownership/rates/index.htm, checked October 28, 2026). Ask your lender how the reservation works for your loan. Funds are subject to availability.
7. Finish underwriting
Expect to provide pay stubs, bank statements and tax returns. The lender verifies income, employment, assets, debts and credit history. The appraisal must support the first mortgage.
8. Close, then keep your paperwork
Keep your MyHome documents in a safe place. You will need them when you sell or refinance. We do not promise how long any step takes. It depends on your documents, the home, the appraisal and the program.
Common mistakes
Thinking it is a grant
Many buyers make this mistake. Buyers see "assistance" and assume it is a gift. The second loan will be repaid from the sale, refinance or payoff. Ask for a plain page that says what you will owe and when.
Planning a refinance without asking
A refinance of the first loan is one of the repayment events. If you may refinance within a few years, know that CalHFA requires its subordinate loans to be paid in full when the first mortgage is refinanced. Plan for that before closing, so it is not a surprise.
Adding a non-occupant co-signer
A parent or relative who will not live in the home cannot be a co-borrower or co-signer on MyHome. Buyers often start the process that way and have to restructure late. Tell us up front who will be on the loan.
Missing the education class
One occupying first-time borrower must complete it. A class that is not done can delay closing. Sign up as soon as you decide to use the program.
Crossing the income limit with a change in pay
A raise, a bonus or a second income can move your household income past the county limit. If you are close to $210,000, tell us early, and do not change jobs or take on new debt without calling us first.
Using MyHome to pay off debt or get cash back
CalHFA does not allow it. Planning on it can leave a gap at closing.
Choosing a home the first mortgage cannot finance
No sales price limit does not mean any home works. The home must meet the first mortgage requirements and appraise. Ask your agent to talk to us before you write an offer.
MyHome compared with ZIP and GSFA Platinum
Three programs get compared most often. They are different tools, run by different agencies.
| Item | CalHFA MyHome Assistance | CalPLUS with ZIP | GSFA Platinum |
|---|---|---|---|
| Who runs it | CalHFA, the California Housing Finance Agency | CalHFA, the California Housing Finance Agency | Golden State Finance Authority (GSFA), a California public agency |
| What it helps with | Down payment and closing costs | Closing costs and prepaid items only. Leftover ZIP funds go to principal | Down payment and closing costs |
| How it works | A deferred second loan, repaid when you sell, refinance or pay off the first loan | A deferred subordinate loan. With MyHome, it sits third, behind MyHome | Standard option: a second mortgage with monthly payments at the first mortgage's rate |
| When it's repaid | At a sale or transfer of title, a payoff or refinance of the first loan, or a recorded Notice of Default (unless rescinded) | At a transfer of title, a payoff or refinance of the first mortgage, or a recorded Notice of Default (unless rescinded) | Monthly, on the standard option |
| First-time buyer needed? | Yes. No home owned and lived in during the past 3 years, for every borrower | Yes | No |
| Living in the home | Every borrower moves in within 60 days. No co-signers who won't live there | With MyHome on the loan, every borrower moves in within 60 days. CalPLUS alone: ask us | Primary residence only |
| Income limit, San Bernardino County | $210,000, effective 06/30/2026 | $210,000, effective 06/30/2026 | None for FHA, VA or USDA loans. Set by county for conventional loans: use GSFA's county lookup |
| First mortgage it pairs with | CalHFA FHA, CalPLUS FHA, CalHFA Conventional, CalPLUS Conventional, CalHFA USDA, CalHFA VA | CalPLUS FHA or CalPLUS Conventional | FHA, VA, USDA or conventional, through GSFA Participating Lenders. New American Funding is one |
| Credit score and DTI | Follow the CalHFA first mortgage | Follow the CalHFA first mortgage | Credit scores "as low as 640 may qualify"; DTI "up to 50% may qualify" |
| Largest first mortgage | Depends on the first mortgage. Conventional uses the 2026 baseline of $832,750 | Depends on the first mortgage. Conventional uses the 2026 baseline of $832,750 | $832,750 |
| Homebuyer education | Yes. One borrower takes eHome online or a class with a HUD-approved counselor | With MyHome on the loan, one borrower takes a homebuyer education course. CalPLUS alone: ask us | Not stated in the GSFA Platinum details we read. Ask your lender |
| Where to check it yourself | calhfa.ca.gov | calhfa.ca.gov | gsfahome.org |
From our fact library (CalHFA MyHome Assistance: calhfa.ca.gov; CalPLUS with ZIP: calhfa.ca.gov; GSFA Platinum: gsfahome.org). Checked Oct 28, 2026.
MyHome and ZIP
ZIP stands for Zero Interest Program, which is the name of the program. It covers closing costs and prepaid items only. It sits behind MyHome, and the CalPLUS first mortgages that must use ZIP are on MyHome's pairing list. So these are often looked at together. Read our guide, CalPLUS with ZIP: is it worth it?, for the details. ZIP is for first-time buyers, covers closing costs only (not down payment or debt payoff), and is deferred for the life of the CalPLUS first mortgage. It comes due at the same kinds of events as MyHome (CalHFA government loan handbook, checked October 28, 2026).
MyHome and GSFA Platinum
GSFA is not a direct lender. It works through GSFA Participating Lenders, and New American Funding, LLC is listed as a participating lender for the GSFA Platinum Program (https://gsfahome.org/programs/dpa/lenders.aspx, checked October 28, 2026). Platinum has no first-time buyer requirement, which makes it a possibility for a buyer who owned a home in the past 3 years. Its standard option is a fully amortizing second mortgage, so unlike MyHome there are monthly payments on the second loan. GSFA sets no income limits for FHA, VA or USDA loans through its programs, and sets conventional limits by county, so check its limits page (https://gsfahome.org/programs/dpa/limits.aspx). Read GSFA Platinum: how it works and what to compare.
And Dream For All?
Dream For All is not open. CalHFA's 2026 portal closed March 16, 2026, and no new round has been announced. A note on the page dated 05/20/2026 says "The next round of DFA vouchers have been released" and tells people who already applied to check the portal. The same page says the portal closed March 16 and no new applications can be submitted. That reads as vouchers going to people already in the pool, not a new application round (checked October 28, 2026). If you weren't selected, you can still work with a CalHFA-approved lender and look at MyHome or CalPLUS with ZIP. See CalHFA Dream For All is closed. What are my options now?.
Pros, cons and how to decide
| Possible advantages | Possible drawbacks |
|---|---|
| Repayment on the second loan is deferred | It is a loan. It comes out of your sale proceeds or refinance |
| No sales price limit | Must pair with a CalHFA first mortgage, whose terms you should compare |
| Credit and DTI follow the first mortgage, not an extra layer | A refinance or payoff of the first loan makes it due |
| Pairs with FHA, conventional, USDA and VA CalHFA loans | Income limit of $210,000 in San Bernardino County |
| Statewide agency program | Education class, occupancy and no non-occupant co-borrowers |
To decide, ask yourself four questions.
1. Am I under the income limit and a first-time buyer under CalHFA's definition? If not, look at other programs.
2. How long do I plan to stay, and do I expect to refinance? If a refinance is likely, ask how MyHome is handled first.
3. What does the CalHFA first mortgage look like next to other first mortgages? Compare the whole loan, not only the assistance.
4. What will I owe when I sell? Ask for a written page that says what, when and to whom.
We do not predict prices or rates. If it is better to wait, we will tell you.
Conclusion
MyHome Assistance is a deferred second loan from CalHFA that can help a first-time buyer with the cash needed up front. Repayment waits while you keep the first loan, and it is repaid at a sale, a transfer of title, a payoff or refinance of the first loan, or a recorded Notice of Default. In San Bernardino County, the income limit is $210,000 as of 06/30/2026, and there is no sales price limit. Credit and DTI follow the first mortgage.
Know that it is a loan. Know what it pairs with. Compare it with ZIP and GSFA Platinum. And ask what happens if you refinance. We will go through it line by line and give you honest answers, including "not yet."
Frequently asked questions
Is the CalHFA MyHome Assistance Program a loan or a grant?
It is a loan. CalHFA describes it as a deferred-payment, simple-interest second loan that sits behind your CalHFA first mortgage. Repayment waits while you keep the first loan, and it is repaid when you sell, transfer title, pay off or refinance the first loan, or if a Notice of Default is recorded and not rescinded. CalHFA publishes no rate for it and says rates will vary, so ask for the current terms in writing.
What is the income limit for MyHome in San Bernardino County?
CalHFA lists $210,000 for San Bernardino County, effective 06/30/2026. It applies to CalHFA first mortgage and subordinate programs except Dream For All, which has its own lower limit. There is no sales price limit for MyHome, though loan limits still apply. Limits can change, so confirm the current figure on CalHFA's income limit page and with us on the day you call.
Can I use MyHome if I already own a home or a spouse owns one?
Probably not. CalHFA defines a first-time buyer as someone who has not owned a principal residence in the past 3 years, and that includes a spouse's home you lived in. If it has been longer, you may qualify. Because the rule depends on your history, bring your questions to us before you give up. Other programs, such as GSFA Platinum, do not require a first-time buyer. Subject to eligibility and availability.
Can a parent co-sign with me on a MyHome loan?
Not if the parent will not live in the home. MyHome does not allow non-occupant co-borrowers or co-signers. Every borrower, including any co-borrower, must live in the home, move in within 60 days of closing, and be a first-time buyer. Tell us on your first call who plans to be on the loan, and we will walk through it.
What credit score and debt-to-income ratio do I need for MyHome?
They follow your first mortgage. For example, CalHFA's matrix dated 01/01/2026 shows FHA with automated underwriting at 45% DTI with a 640 score, or 50% with a 700 score. Conventional shows 45% at 680 or 50% at 700. These are the matrix's highest DTI at each minimum score, not promises, and a lender must verify your income, debts and credit. Ask for the current matrix on the day you apply.
Is MyHome different from CalPLUS with ZIP?
Yes. MyHome is CalHFA's down payment and closing cost second loan. ZIP, the Zero Interest Program, covers closing costs and prepaid items, with any leftover funds going to principal reduction, and it sits behind MyHome. CalPLUS FHA and Conventional first mortgages must use ZIP. ZIP comes due at the same kinds of events as MyHome: transfer of title, payoff or refinance of the first mortgage, or a recorded Notice of Default. The first mortgage terms are different too, so we compare the whole package side by side. Ask for both programs' current terms in writing before you choose.
Does The Brandon Drew Group offer CalHFA MyHome?
MyHome is only available through CalHFA-approved lenders, and it is one of the programs our branch works with. New American Funding is on CalHFA's approved lender list, and our office at 8463 Haven Avenue appears in CalHFA's lender search. Colleen is a CalHFA Preferred Loan Officer. Ask any lender, including us, to show you the CalHFA first mortgage and MyHome terms side by side. We explain the catch of every program before you apply, and we tell you when it is not the right time. Fees are explained in writing at the start.
Is Dream For All still open, and what if I was not selected?
Not at this time. CalHFA's 2026 round closed to new applications on March 16, 2026, and no new round has been announced. Selection was by random drawing. If you were waitlisted, CalHFA emails you if a voucher opens, so keep your contact details current. If you weren't selected, you can still work with a CalHFA-approved lender and look at MyHome or CalPLUS with ZIP. A 05/20/2026 note says vouchers were released to people who had already applied; no new applications are being taken. Check calhfa.ca.gov for any change.
→ Read: CalHFA Dream For All is closed. What are my options now?
Sources
- CalHFA MyHome Assistance Program sheet (last revised October 19, 2026): https://www.calhfa.ca.gov/homeownership/programs/myhome.pdf
- CalHFA MyHome program page, homebuyer education: https://cloud.calhfa.ca.gov/homebuyer/programs/myhome.htm
- CalHFA income limits: https://cloud.calhfa.ca.gov/homeownership/limits/income/income.pdf
- CalHFA limits page, sales price limit: https://calhfa.ca.gov/homeownership/limits/index.htm
- CalHFA programs overview (CalPLUS, ZIP): https://cloud.calhfa.ca.gov/homebuyer/programs/index.htm
- CalHFA government and conventional matrices (01/01/2026): https://www.calhfa.ca.gov/homeownership/materials/files/tool-matrix-gov.pdf and https://www.calhfa.ca.gov/homeownership/materials/files/tool-matrix-conventional.pdf
- CalHFA government loan handbook (CalPLUS FHA, ZIP): https://www.calhfa.ca.gov/homeownership/programs/loans-gov.pdf
- CalHFA refinance rules: https://www.calhfa.ca.gov/homeownership/programs/refi.htm
- CalHFA rates and reservations: https://www.calhfa.ca.gov/homeownership/rates/index.htm
- CalHFA lender search: https://www.calhfa.ca.gov/apps/approvedlenders
- CalHFA Dream For All: https://calhfa.ca.gov/dream/
- GSFA participating lenders: https://gsfahome.org/programs/dpa/lenders.aspx
- GSFA limits: https://gsfahome.org/programs/dpa/limits.aspx
- USDA property eligibility: https://eligibility.sc.egov.usda.gov/
- GSFA Platinum: https://gsfahome.org/programs/dpa/platinum.shtml
- FHFA 2026 conforming loan limits: https://www.fhfa.gov/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026
- CFPB, loan options and pre-approval: https://www.consumerfinance.gov/owning-a-home/loan-options/
- CFPB, prequalification vs preapproval: https://www.consumerfinance.gov/ask-cfpb/whats-the-difference-between-a-prequalification-letter-and-a-preapproval-letter-en-127/
- San Bernardino County Community Development and Housing, home ownership resources: https://cdh.sbcounty.gov/home-ownership-resources/
Disclosures
Colleen Olivas, NMLS #379721. Robert Olivas, NMLS #271447. The Brandon Drew Group, a division of New American Funding, LLC, Company NMLS ID #6606 (www.nmlsconsumeraccess.org). Branch NMLS #2882133. 8463 Haven Avenue, Suite B, Rancho Cucamonga, CA 91730.
Equal Housing Lender.
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law license.
Down payment assistance programs have eligibility rules, funds are limited and subject to availability, and they are not available to everyone. Program terms, income limits, price limits and assistance amounts can change without notice. This is for information only. It is not a commitment to lend or a rate quote. Loans are subject to credit approval and underwriting. Not tax or legal advice. For licensing information, visit www.nmlsconsumeraccess.org.
