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2021 California first-time homebuyer assistance programs Bankrate 12/22/2020 © George Steinmetz/Getty Images Aerial view of Los Angeles homes Buying a home for the first time can leave you with serious sticker shock. That s especially in true in California which has some of the highest property prices in the country. Those looking to crack the homeownership barrier in the Golden State can take advantage of several programs to help with down payment and closing costs. The California Housing Finance Agency, or CalHFA, offers a comprehensive selection of homebuyer assistance programs, mostly geared toward first-time homebuyers with low or moderate incomes. In California, you re considered a first-time homebuyer if you haven t owned and occupied a home in three years.

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