CalHFA offers a program to help you with your down payment or closing cost. Payments on this one of a kind loan are deferred, meaning you don’t have to pay them back until you sell or refinance your pay off your home. This program offers up to 3% of the purchase price for the down payment or towards the closing cost of the loan. You first need to get qualified thru a lender that does this type of loan and get a pre-qualification letter which shows your loan options, interest rate and what the eligibility requirements are for you to purchase. Once you have this, then I can show you properties that qualify for this type of loan.