Housing Assistance Programs for Public Servants and Healthcare Workers
Explore a range of housing assistance programs designed to support California's dedicated public servants and healthcare professionals in achieving their homeownership dreams.
California Housing Finance Agency (CalHFA) Programs
The California Housing Finance Agency (CalHFA) offers various loan and down payment assistance programs to help low to moderate-income Californians achieve homeownership. Many of these programs are particularly beneficial for public servants and healthcare workers.
CalHFA FHA Loan Program
Eligibility: First-time homebuyers, meet CalHFA income limits, complete homebuyer education, occupy as primary residence.
Benefit: FHA-insured 30-year fixed interest rate first mortgage.
Learn MoreCalHFA VA Loan Program
Eligibility: Eligible veterans, servicemembers, and eligible surviving spouses who meet service requirements. Must meet credit, income, and occupancy requirements.
Benefit: VA-insured 30-year fixed interest rate first mortgage.
Learn MoreCalHFA USDA Program
Eligibility: First-time homebuyers, meet CalHFA income limits, complete homebuyer education, occupy as primary residence, property in eligible rural area.
Benefit: USDA Guaranteed 30-year fixed interest rate first mortgage, can be combined with MyHome Assistance Program.
Learn MoreMyHome Assistance Program (CalHFA)
Eligibility: First-time homebuyers using CalHFA Government or Conventional Loans, meet CalHFA income limits, complete homebuyer education.
Benefit: Deferred-payment junior loan up to 3.5% (FHA) or 3% (Conventional) of purchase price/appraised value for down payment and/or closing costs.
Learn MoreOther Key Housing Assistance Programs
Beyond CalHFA, several other federal and local initiatives provide significant housing support for public sector and healthcare workers.
| Program | Eligibility | Benefit | Link |
|---|---|---|---|
| Teacher Next Door Program | Teachers, Nurses, Police, Firefighters, EMTs, Government Employees, Military families. Specific income and credit requirements may apply. | Grants up to $9,000, down payment assistance up to $24,000, special home loans. | Details |
| Nurse Next Door Program | Nurses, LPNs, CNAs, and medical professionals. Specific income and credit requirements may apply. | Grants up to $9,000, down payment assistance up to $24,000, special home loans. | Details |
| VA Home Loan Benefit | Veterans, Servicemembers, and eligible surviving spouses who meet service requirements. Must meet credit, income, and occupancy requirements. | VA-backed home loans with no down payment, competitive interest rates, and no private mortgage insurance. | Details |
| HUD Good Neighbor Next Door | Full-time law enforcement officers, pre-K-12 teachers, firefighters, and EMTs. Must commit to live in the home for 3 years. | 50% discount on the list price of HUD-owned homes in revitalization areas. | Details |
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