Eligibility for first-time programs depends on income limits, credit, property location/price, and sometimes education. Options include CalHFA loans and down-payment assistance that can dramatically lower your upfront cash.
CalHFA and assistance
CalHFA (California Housing Finance Agency) offers first mortgages paired with down-payment and closing-cost assistance for eligible buyers within income limits. As a CalHFA-approved brokerage, we help you navigate these programs.
Who qualifies
Programs weigh household income (against county limits), credit, and the property. Many buyers who assume they can’t afford to buy actually qualify with assistance. We’ll check every program you’re eligible for.
Frequently asked questions
What is CalHFA?
The California Housing Finance Agency — it offers first-time buyer loans plus down-payment assistance for eligible buyers. We’re CalHFA-approved.
Are there income limits?
Yes — assistance programs use county income limits. We’ll check where you fall.
Can assistance really cover my down payment?
For eligible buyers, assistance can cover much or all of the down payment and some closing costs.
Save Financial is a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766). Figures are illustrative for 2026 and not an offer of credit.