For eligible veterans and service members: a CalHFA VA first mortgage with zero down, plus MyHome assistance for closing costs — your cash to close and your real monthly payment.
Assistance is based on the lesser of the purchase price or appraised value.
CalHFA VA allows 0% down for eligible veterans.
Defaults to CalHFA's current Standard Rate Lock rate for this program, updated automatically from CalHFA's published rates.
First-use estimate at 0% down. Exempt veterans pay no funding fee — set it to 0.
If off, the funding fee is added to your cash to close instead.
Starts at 2.5% of the purchase price — edit it to match your estimate.
Used to estimate what the deferred MyHome loan will have grown to when it comes due.
CalHFA income limits are set by county — see the County limits panel below.
There is no CalPLUS version of the CalHFA VA loan, so ZIP and MyAccess cannot be combined with it — MyHome is the CalHFA assistance available on a VA first mortgage. MyHome requires first-time homebuyer status.
CalHFA income limit for Los Angeles County: $214,000.00
Sales price limit: CalHFA sets no sales price limit.
Verify the income limit on CalHFA's official income limits sheet
CLTV is figured on the base first loan plus subordinate assistance; a financed VA funding fee is excluded from this estimate.
Principal & interest is calculated on the total loan amount shown above.
Want to lower these early payments? Try the Temporary Buydown Calculator
Deferred assistance is due in full when you sell, transfer, refinance, or pay off the first mortgage.
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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. VA eligibility requires a valid Certificate of Eligibility. The VA funding fee varies with service history, prior VA use, and down payment — the percentage above is an editable estimate; your exact fee comes from the VA. MyHome accrues 1% simple interest, is deferred with no monthly payment, and becomes due when you sell, transfer, refinance, or pay off the first mortgage. Program terms per CalHFA (calhfa.ca.gov), checked October 2026; limits and terms change — confirm current terms before applying.