Q&A · Down Payment Assistance
What is the CalHFA stack?
Three pieces that combine into one of California's strongest low-down-payment structures.
- CalPLUS first: FHA, conventional, VA, or USDA 30-year fixed
- MyHome second: silent second — 3.5% on FHA, 3% on conventional — for down payment or closing costs
- ZIP third (optional): 2–3% for closing costs only, on conventional
Combined loan-to-value can reach 105%. First-time-buyer status required.
Want to see if you qualify? Send the 60-second eligibility form — your state, income range, and credit estimate. We'll match you to every program that actually fits. Check my eligibility →