Free CalHFA Eligibility Quiz
California could put up to $22,750 toward your down payment.
That number is real: CalHFA's MyHome program covers up to 3.5% of the price. On a $650,000 home, that's up to $22,750. There's no monthly payment on it. The quiz takes about 60 seconds. Seven short questions, no credit pull, no documents. Most buyers who think they won't qualify have never checked.
What brings you here today?
There's no wrong answer. Your pick just shapes your plan.
Where are you looking to buy?
CalHFA limits and prices change by county.
When do you want to buy?
No date yet? That's fine. An early plan still helps.
How's your credit?
A guess is fine. We never pull credit at this step.
What's your household income?
The limits run high. San Diego's 2026 limit is $259,000.
How much do you have saved for a down payment?
Low savings can still work. CalHFA help can cover most or all of the minimum down payment.
Have you served in the military?
VA loans can change the math. Zero down, no monthly mortgage insurance.
Where should we send your CalHFA game plan?
A real, licensed person will reach out. Never a call center.
Real state programs
MyHome covers up to 3.5% of your purchase price. There's no monthly payment on it. ZIP adds a 0% loan for closing costs. These are official CalHFA programs. We just know how to use them.
Straight answers
Your answers show which programs likely fit you, and which do not. You get the honest read. If the truth is "not yet," we say so. Then we show you what to fix first.
Free to talk, always
The review is free. It commits you to nothing. We're paid through the lender, like every mortgage professional. That pay comes only if and when you close a loan.
Quick answers before you start
Will this affect my credit score?
No. The quiz never asks for your Social Security number. It runs no credit check. A credit pull only happens later, if you start a pre-approval. And only with your permission.
What happens after I submit?
We review your answers, usually within a few business hours. Then we reach out from (619) 815-1996. You learn which CalHFA programs fit you and what they mean in dollars. We also map your next step.
What if I'm not sure I qualify?
That's exactly who this quiz is for. Most renters guess low on what they qualify for. San Diego's 2026 CalHFA income limit is $259,000. That's far higher than most people expect. Not ready yet? We'll tell you honestly. Then we map out what to work on.