See how a CalHFA FHA first mortgage stacks with MyHome, ZIP, and MyAccess down payment assistance — including FHA mortgage insurance, your cash to close, and your real monthly payment.
Your purchase
Assistance is based on the lesser of the purchase price or appraised value.
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CalHFA FHA minimum is 3.5% down.
⚠ Below the 3.5% CalHFA FHA minimum down payment.
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Defaults to CalHFA's current Standard Rate Lock rate for this program, updated automatically from CalHFA's published rates.
Starts at 2.5% of the purchase price — edit it to match your estimate.
Used to estimate what the deferred assistance loans will have grown to when they come due.
Down payment assistance
ZIP is only available with a CalPLUS first mortgage, which carries a slightly higher rate — enter that rate above. MyAccess is only available with a CalPLUS Access first mortgage and must be combined with MyHome. ZIP and MyAccess sit in third position behind MyHome.
County limits
CalHFA income limit for Los Angeles County:$214,000.00
Sales price limit: CalHFA sets no sales price limit.
Your income is within the CalHFA limit for this county.
Your income is above the CalHFA limit for this county — you would not qualify on income.
Your results
Down payment$0.00
Base first loan$0.00
FHA upfront MIP (financed)$0.00
Total first loan$0.00
Assistance (deferred, no monthly payment)
MyHome (3.5% of lesser of price/value)$0.00
ZIP (closing costs only)$0.00
MyAccess (2.5% of total first loan)$0.00
Total assistance$0.00
Cash to close
Down payment$0.00
Closing costs$0.00
Less: total assistance$0.00
Estimated cash to close$0.00
Your assistance covers the down payment and closing costs in this estimate. Assistance cannot be paid out as cash back — ZIP amounts above your closing costs must be applied to reduce the ZIP loan, and MyAccess cannot give cash back.
Combined loan-to-value (CLTV)
CLTV0.00%
CLTV is figured on the base first loan plus subordinate assistance; the financed upfront MIP is excluded from this estimate.
This stack is above CalHFA's 105% maximum CLTV.
Monthly payment
Principal & interest$0.00
Principal & interest is based on a total loan amount of $0.00 (base first loan plus financed upfront MIP).
Minimum credit score 640 (660 for manually underwritten loans and manufactured homes).
Maximum debt-to-income ratio 45% (50% if your credit score is 700 or higher; 43% on manual underwrites).
Primary home (owner-occupied) only — the borrower(s) and all co-borrower(s) must reside in the property; non-owner-occupied co-borrowers are not allowed.
Single-family one-unit primary residence — SFR, approved condo or PUD; manufactured homes are permitted.
Maximum first loan LTV 96.5%; maximum CLTV 105% with assistance. First loan must be within FHA county loan limits.
For educational purposes only. Figures are estimates based on the loan amount, note rate, and term you enter; they are not a loan offer, commitment to lend, or a guarantee of any rate or payment. Actual rates, payments, taxes, insurance, and qualification depend on credit profile, property, and lender approval. MyHome and MyAccess accrue 1% simple interest and ZIP accrues 0%; all are deferred with no monthly payment and become due when you sell, transfer, refinance, or pay off the first mortgage. ZIP funds may be used for closing costs only. FHA upfront and monthly mortgage insurance figures are the standard FHA rates shown above and can change by HUD action. Program terms per CalHFA (calhfa.ca.gov), checked October 2026; limits and terms change — confirm current terms before applying.