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School Teacher Employee Assistance Program

California

Available Assistance

The School Program grants eligible applicants a junior loan up to 4% of the purchase price. It can only be used for down payment assistance and/or closing costs and must be combined with an eligible CalHFA first mortgage loan. Approval is contingent on the area in which the property is being purchased. Interest rates vary depending on the applicant’s financial circumstances, lender fees, and other factors.

Eligibility Requirements

In order to be considered eligible for the School Program, all applicants must meet certain requirements. They must be first-time homebuyers, employed in a California K-12 public school, Charter school, county/continuation school or its school district (and be able to show appropriate credentials of their employment). Borrowers are required to successfully complete a homebuyer education counseling course.

Property Guidelines

Any property purchased under the program must serve as the borrower’s primary residence, and cannot exceed CalHFA's sales price limit of $765,000 (statewide). Eligible property types include single-family, one-unit residences, approved condominium/PUDs (guesthouses, granny units and in-law quarters may be eligible), and manufactured housing on a permanent foundation.

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