First-time
California down payment help, without the seminar
CalHFA, MyHome, and city programs exist. Most buyers never get screened. We screen you on the first appointment.
California still funds silent-second and forgivable assistance for first-time buyers who complete education and meet income caps.
Income limits and purchase-price caps change. A program that worked in Santa Ana may not work in Irvine. We match the city to the product.
Assistance usually pairs with FHA or conventional. It adds paperwork. It can save the deal. We will tell you if the extra month is worth it.
If you do not qualify, we still close you with gift funds, a smaller price, or a co-borrower — not a dead end.