CalHFA MyAccess: Compare Assistance & First-Mortgage Costs
Understand MyAccess and CalPLUS Access, and compare assistance with your full loan costs before choosing a California purchase program.
MyAccess is part of a financing combination
CalHFA pairs MyAccess with CalPLUS Access Conventional for down payment or closing-cost assistance. Do not assume it works with every conventional mortgage.
What should I compare?
Request the first-mortgage rate and fees, assistance balance, interest terms and repayment conditions together. Compare with MyHome and an unassisted purchase option using the same price and budget. Avoid treating deferred payments as free money.
Check the current details
Availability, lender participation and your specific eligibility need confirmation before you rely on this option. Start with your purchase location, approximate budget and available cash.
Sacramento-area buyers: check the property location
Statewide and local assistance are not interchangeable. Before counting on local funds, confirm the property’s jurisdiction, current funding and any program-specific requirements. Review SHRA’s official homebuyer resources for Sacramento-area information. A Sacramento mailing address alone does not establish eligibility.
Related guides & next steps
- CalHFA program overview
- MyHome assistance
- Dream For All status and alternatives
- Compare purchase programs
- Build a complete homeownership budget
Official reference: CalHFA program information ↗. Checked October 25, 2026. Reconfirm changing requirements before making a financing decision.
Ask Aaron to compare my options
Aaron Clowes
Air Force veteran. More than two decades in mortgage lending. Clear explanations, practical comparisons and a conversation about what works for you.
NMLS #200900 · CA DRE #02103379
New Way Mortgage is powered by Xpert Home Lending, Inc. · NMLS #2179191 · Equal Housing Lender.
What happens after you reach out?
- Aaron reviews your goals and the information you share.
- You confirm details and compare available paths, costs and tradeoffs.
- You decide whether to apply through the secure Xpert application.
An inquiry does not authorize a credit pull.