How to Purchase a Home with a FHA Loan with Almost Zero Down

For a limited time, up to 99.5 % financing is being offered to increase home ownership opportunities to individuals and families in California. You can purchase a home with a FHA Loan for as little as .5% down payment. Yes! That’s right! As little as a 1/2% down payment.


Call our office at (916) 960-5900 to learn more about the details of this program.


CHF has negotiated with FHA to allow a second mortgage to cover 3% of the 3.5% required down payment by using the CHF Access down payment assistance loan.

Eligibility Guidelines:
Not Limited to just first time home buyers.
3% 2nd loan can be used for down payment or to pay closing costs.
FICO under 600 ok on case by case basis.
No Sales price limits.
No minimum borrower contribution.
No pre-pay penalties.
Gift funds are allowed from family members.
Seller contributions allowed, up to 6%.
Income limits are 120% of HUD AMI.
2nd loan (CHF Access) is 15 year fixed @ 8.5%.
No recapture tax / penalty if home is sold later on.

Call (916) 960-5900 to learn how you can qualify for this program.