With low rates and flexible down payment assistance, 2026 might be the year to buy your first home.

Are you thinking about buying a home in 2026 and wondering what new options are out there? I’m excited to share two brand-new loan programs that can help make your first home more achievable.

Both programs offer down payment assistance and flexible options. I’m here to walk you through how they work so you can see if one might be a fit for you.

CalHFA program. This program can provide up to $150,000 in down payment assistance, which is about 20% of the home price in many cases. It comes with competitive fixed-rate financing and even offers a deferred repayment plan, making it easier to manage your payments as you get started in your new home.

FHA program with down payment assistance. To qualify, you need a minimum FICO score of 660, but there are no income limits, and you don’t have to be a first-time homebuyer. You can get help with either a 3.5% or 5% down payment, giving you some flexibility depending on your situation.

With mortgage rates being the lowest they’ve been since September 2022, it’s a great time to get started. These programs combined with favorable rates can make homeownership more attainable than it’s been in recent years.

If you’re interested, give me a call at 818-953-5300 or send an email to brad@bradkorb.com. Let’s connect and figure out what makes the most sense for you.