CalHFA MyHome Assistance Program

California Housing Finance Agency

Available Down Payment

About This Program

CalHFA MyHome Assistance Program is available to homeowners in Los Banos, CA.

Down payment assistance program offering 3.5% of the purchase price or $10,000 (whichever is less) as a deferred-payment junior loan. Can be combined with CalHFA first mortgage programs for first-time and repeat homebuyers.

Deferred junior loan for down payment; no monthly payment required

Data last verified 2026-06-09. How we verify our data.

In Los Banos, CA, you can combine this program with other local help to cut your cost:

Key Details

  • 3.5% of purchase price or $10,000 for down payment
  • Deferred-payment junior loan
  • No monthly payment on assistance loan
  • Must use CalHFA-approved lender
  • Can be combined with CalHFA first mortgage

How to Apply

Get free help applying Visit Official Program Page Track this program

(877) 922-5432

A grant-savvy contractor in Los Banos, CA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

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

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. Close on the home; the MyHome deferred-payment junior loan funds your down payment and closing costs at closing.
Get the official form

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
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling applications through participating lenders

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

Who qualifies for CalHFA MyHome Assistance Program in Los Banos?

CalHFA MyHome Assistance Program is open to homeowners in Los Banos, CA.

How do I apply for CalHFA MyHome Assistance Program in Los Banos, CA?

Apply directly with California Housing Finance Agency using the official program link on this page or call (877) 922-5432. There is no middleman and no fee.

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