California Housing Finance Agency
CalHFA First Mortgage Loan Programs is available to homeowners in Monterey, CA.
State-backed mortgage programs for first-time and repeat homebuyers in California, offering competitive interest rates and down payment assistance. Must work with CalHFA-approved lender. Includes programs specifically for educators, veterans, and extra credit for buyers of homes near transit.
Down payment assistance varies by program; not shown as direct grant
Data last verified 2026-06-09. How we verify our data.
In Monterey, CA, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Monterey, CA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.
Documents you will likely need
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: Ongoing program through participating lenders
Ask us. It is free, and a real person answers within a business day.
Email us about this programCalHFA First Mortgage Loan Programs is open to homeowners in Monterey, 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.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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