Deferred-payment junior loan of up to 3% of the sales price or appraised value on conventional first mortgages, and up to 3.5% on government first mortgages (FHA).

Paired with: Conventional (CalHFA), FHA

• First-time homebuyer: Required
• Primary residence only
• Income: Household income must fall within CalHFA county-level income limits.
• Homebuyer education required

Junior lien is deferred until sale, refinance, or payoff of the first mortgage. Must be combined with a CalHFA first mortgage.

Source: www.calhfa.ca.gov

Zero-interest deferred loan for closing costs only, used with the CalPLUS conventional or CalPLUS FHA first mortgages.

Paired with: Conventional (CalPLUS), FHA (CalPLUS)

• First-time homebuyer: Required
• Primary residence only
• Homebuyer education required

Can stack with MyHome for combined down payment and closing cost coverage.

Source: www.calhfa.ca.gov

Shared-appreciation junior loan providing down payment assistance; borrower repays principal plus a share of home appreciation at sale, refinance, or payoff.

Paired with: Conventional

• First-time homebuyer: Required
• Primary residence only
• Homebuyer education required

The 2026 registration window ran February 24 through March 16, 2026 and used a randomized lottery; applications were closed thereafter pending results and any future funding rounds. Confirm current availability with CalHFA.

Source: www.calhfa.ca.gov

Silent second loan up to $161,000 for down payment, closing costs, and acquisition, at 0% interest with no monthly payments.

Principal plus shared appreciation is due at sale, transfer, refinance, or at the 30-year term. Applicants must contribute at least 1% of their own funds and complete an 8-hour homebuyer education course.

Source: housing.lacity.gov

HOP80 provides up to $100,000 or 20% of purchase price (whichever is less); HOP120 provides up to $85,000 or 20% of purchase price (whichever is less). Both are 0% interest deferred loans with shared-equity repayment.

Source: www.lacda.org