CalHFA MyHome Assistance Program

California Housing Finance Agency (CalHFA)

Available Home Repair

About This Program

CalHFA MyHome Assistance Program is available to homeowners in San Diego, CA.

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

Data last verified 2026-04-03. How we verify our data.

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

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

Get free help applying Visit Official Program Page Track this program

1-877-922-5432

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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

  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, must be used with CalHFA first mortgage

Questions about this program?

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Frequently asked questions

Who qualifies for CalHFA MyHome Assistance Program in San Diego?

CalHFA MyHome Assistance Program is open to homeowners in San Diego, CA.

How do I apply for CalHFA MyHome Assistance Program in San Diego, CA?

Apply directly with California Housing Finance Agency (CalHFA) using the official program link on this page or call 1-877-922-5432. There is no middleman and no fee.

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