Free CalHFA Calculators · Updated for 2026
Put real numbers on your home purchase.
Two calculators: what CalHFA assistance could be worth on your price point, and what your true monthly payment looks like with taxes, insurance and mortgage insurance included.
CalHFA assistance estimator
Slide to your target purchase price and pick a loan type to see the potential MyHome down payment help plus the ZIP zero-interest closing-cost loan.
Why two percentages?
MyHome provides up to 3.5% of the purchase price with a CalHFA FHA first mortgage, or up to 3% with a CalHFA conventional first mortgage — deferred, with no monthly payment. ZIP adds roughly 2–3% of the first loan amount at 0% interest for closing costs.
Total potential assistance
Estimates for educational purposes only — not a loan offer, quote or approval. Actual assistance depends on CalHFA program terms, appraised value, income limits and underwriting. Program terms are set by CalHFA and may change at any time.
Like those numbers? Find out if they're yours.
The 60-second eligibility quiz tells us enough to confirm which programs — and how many of those dollars — actually apply to you. No credit pull.
Monthly payment calculator
The full picture — principal and interest plus property taxes, homeowners insurance, mortgage insurance and HOA dues. This is the number that should drive your budget, not the loan payment alone.
Estimated monthly payment
Estimates for educational purposes only — not a quote, offer or approval. Taxes, insurance and mortgage insurance are rough approximations; the interest rate is whatever you set on the slider, not a rate we're offering. Your actual payment will differ.
Calculator FAQ
How accurate are these CalHFA calculator estimates?
They're educational ballparks, not quotes. The assistance estimator applies the published MyHome percentages (3.5% FHA / 3% conventional) and a typical 2–3% ZIP range; the payment calculator uses standard amortization math with rough California defaults for taxes, insurance and mortgage insurance. Your actual figures depend on the property, your credit profile, and current CalHFA terms — we verify everything during a real pre-approval.
What interest rate should I use in the payment calculator?
We intentionally don't publish rates — they change daily and vary by credit score, loan type and program. Try a range: run the slider half a percent above and below your best guess to see how sensitive your payment is. When you're ready, we'll price your exact scenario with current CalHFA rate sheets.
How do I find out my actual assistance amount?
Take the 60-second eligibility quiz or call (619) 555-0123. We confirm your income against the 2026 CalHFA limits ($259,000 in San Diego County), match you to the right first mortgage, and calculate the exact MyHome and ZIP amounts for your target price — free and with no obligation.