Strategies to Avoid Foreclosure in 2026

11. General Provisions. (a) Absolutely nothing in this order will be construed to impair or otherwise impact: (i) the authority approved by law to an executive department or company, or the head thereof; or (ii) the functions of the Director of the Office of Management and Budget connecting to monetary, administrative, or legislative proposals.

(c) This order is not meant to, and does not, create any right or advantage, substantive or procedural, enforceable at law or in equity by any party versus the United States, its departments, companies, or entities, its officers, employees, or agents, or any other individual. (d) The expenses for publication of this order shall be borne by the Department of the Treasury.

TRUMP THE WHITE HOUSE, March 13, 2026.

CalHFA gives California first-time buyers four working help programs in 2026: MyHome (as much as 3.5% of the price for down payment or closing costs), ZIP (2% to 3% in zero-interest closing cost assistance), MyAccess (a 2.5% postponed loan), and Dream For All (as much as 20% of the rate, topped at $150,000, for first-generation purchasers).

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The catch is eligibility: your qualifying income must clear your county's 2026 limit, one debtor needs a property buyer education certificate, and MyHome and Dream For All both require first-time purchaser status. Dream For All is closed as of July 2026, while MyHome and ZIP stay open year-round. This page sets out each program with the 2026 numbers, pulled from the agency's released limitations and lender matrices.

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Absolutely nothing sours a buyer quicker than reading about in 2015's program that stopped taking applications. Free assessment Tell us your county, credit, and rough price range. We'll examine your earnings versus the existing 2026 table and inform you which state programs your file in fact supports, at no cost. 4 programs, one quick comparison.

Here is how they line up. ProgramWhat it coversAmountInterestKey requirementDown payment or closing costs3.5% (FHA), 3% (conventional, VA, USDA)Simple interest, deferredFirst-time buyer; any CalHFA initially mortgageClosing costs only2% or 3% of the very first mortgageZero interestCalPLUS initially mortgageDown payment or closing costs2.5% of the loan amountDeferredCalPLUS Access first, paired with MyHomeDown payment or closing costsUp to 20% of cost, max $150,000 Shared appreciationFirst-generation and first-time buyer; window-basedEvery row is a deferred junior loan.

CalHFA is the California Housing Finance Agency, and it has actually financed homes because 1975. That funding model is why its core programs stay open year after year while grant-funded programs come and go.

Here is the part most purchasers miss out on. The firm never provides to you directly. A CalHFA-approved private lending institution originates the loan, through loan officers the state has trained. So the loan officer matters. One who rarely touches these files will not understand which pairings fit your situation. The bond-funded core runs continually.

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Dream For All is the exception, and we cover its window-based truth listed below. MyHome is a deferred-payment junior loan, the agency's own term for a 2nd home mortgage with no monthly payments.

On standard, VA, and USDA loans the cap is 3%. The statewide mean home ran roughly $930,000 in May 2026, per the California Association of Realtors.

The program handbook defines it as a simple-interest loan. Absolutely nothing leaves your pocket month to month. But the balance you eventually pay back is principal plus accrued basic interest. ZIP is the really zero-interest program. MyHome sits in 2nd lien position behind your very first home mortgage. The combined loan-to-value of everything stacked on the home can not go beyond 105%.

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Buyers who want support that forgives instead of postponing must compare the Elite Grant, which forgives in as low as 6 to 36 months on qualifying FHA files. Lenders call these "quiet seconds" due to the fact that the junior loan makes no regular monthly need on your budget. Your real estate expense is simply the first home loan, taxes, and insurance.

ZIP stands for Zero Interest Program. The loan equals 2% or 3% of your very first mortgage, and it charges no interest.