CalHFA MyHome Down Payment Assistance

California Housing Finance Agency (CalHFA)

Available Home Repair

About This Program

CalHFA MyHome Down Payment Assistance is available to homeowners in San Jose, CA.

CalHFA's MyHome Assistance Program provides first-time homebuyers a deferred-payment junior loan for down payment and/or closing costs, up to 3.5% of the purchase price on FHA loans or 3% on conventional loans. The loan is repaid when the home is sold, refinanced, or paid off. While not a home repair grant, this program helps buyers purchase homes that may need improvements.

Estimated assistance on median San José starter home at 3.5%

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

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

Key Details

  • Deferred loan, no monthly payments until sale or refinance
  • Up to 3.5% (FHA) or 3% (conventional) of purchase price
  • First-time homebuyer requirement
  • Income limits apply, check calhfa.ca.gov for Santa Clara limits
  • Must use CalHFA-approved lender

How to Apply

Get free help applying Visit Official Program Page Track this program

877-922-5432

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

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in San Jose early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
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, subject to funding availability

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 Down Payment Assistance in San Jose?

CalHFA MyHome Down Payment Assistance is open to homeowners in San Jose, CA.

How do I apply for CalHFA MyHome Down Payment Assistance in San Jose, CA?

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

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse San Jose, CA contractors

Find More Programs in San Jose, CA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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