CalHFA FHA Program

BY: Jason Whigham
September 1, 2022


CalHFA FHA Program

Sacramento first time home buyer
first time buyer

Program Eligibility | Interest Rate | Homebuyer Education | How to Apply

CalHFA FHA Program: An FHA-insured loan with a CalHFA fixed rate first mortgage for 30 years.

You can review the following sections to learn more about CalHFA FHA.

CalHFA FHA Program


Program Eligibility

To determine whether you are eligible for the CalHFA FHA Program, please review the guidelines for Borrower as well as Property Requirements.

Borrower Requirements

  • You must live on the property as your primary residence. Non-occupant co-borrowers are prohibited.
  • CalHFA borrowers need to complete homebuyer education counseling. They also need to obtain a certificate from an eligible homebuyer counseling agency.
  • This program must meet CalHFA Income Limits

*In the event of conflicting guidelines the lender must adhere to the stricter.

Property Requirements

  • You can be a single-family residence with one unit, and include approved condominium/PUDs
    • In-law quarters, granny units, and guest houses may be eligible
  • Manufactured housing permits are allowed
  • Condominiums need to meet the guidelines for the first mortgage

*The lender must adhere to the stricter guidelines in the event of conflicting guidelines.

CalHFA FHA Program
CalHFA FHA Program

CalHFA FHA Program






Interest Rate

What’s the interest rate?

Your financial situation, lender fees, among other factors, will affect the interest rates you pay. Rates can change daily. To get a precise rate quote, we recommend you speak with a California Mortgage Broker who facilitates the CalHFA-Programs in California.

CalHFA doesn’t lend money directly to customers. CalHFA uses approved lenders to help consumers qualify and make mortgage loans. The fees that you pay may vary depending on which lender or program you are using. See an example of Annual Percentage Rates (APRs).


CalHFA FHA Program


Homebuyer Education Requirement

CalHFA believes that homebuyer counseling and education are crucial to homeowner success. It requires first-time homebuyers to receive homebuyer counseling through a CalHFA program.

Who must take this Homebuyer Education & Counseling course?

Only one can be a first-time borrower for each loan transaction.

How can I enroll in this counseling and education course?

  • ONLINE eHome’s eight hour Homebuyer Education Counseling course is the only course that CalHFA accepts online. Frameworks and HomeView online courses are not accepted by CalHFA because they don’t offer a 1-on-1 counseling session.
  • INPERSON or VIRTUAL Live Homebuyer Education & Counseling in-person, or virtually through NeighborWorks USA or any approved Housing Counseling Agency(Fee: This varies from agency to agency).

CalHFA FHA Program

 How to Apply

How can I apply for CalHFA FHA Program?

CalHFA is not an agent lender. Our mortgage products are provided by private loan officers who have been trained and approved by our Agency. These loan officers are available to help you learn more about CalHFA’s programs, and guide you through your home-buying process.

To contact a loan officer near you, visit the Find A Loan Officer tab.

What documents do I need to have with me when I contact a loan officer?

This list of documents and information can be helpful for answering any questions you might have when you first contact a loan officer.

  • Pay stubs
  • Statements from banks
  • History of employment
  • Tax returns from the past
Calhfa Fha
Calhfa Fha








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