21st Century Home Loan - Southern California - 562-984-6280
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California Homebuyer's Downpayment Assistance Program (CHDAP)

The California Homebuyer's Downpayment Assistance Program or CHDAP provides a deferred-payment junior loan – up to 3% of the purchase price, or appraised value, whichever is less, to be used for their down payment and/or closing costs. This program may be combined with a CalHFA or non-CalHFA, first mortgage loan.

At 21st Century Home Loan we offer the CalHFA FHA Loan Program. This loan program features a fixed interest rate, 30-year fully amortized term, FHA-insured loan. This program has a maximum loan-to-value (LTV) and a maximum combined loan-to-value (CLTV) as per FHA guidelines.

CHDAP Home Program


- Whether you are using CHDAP with a CalHFA or non-CalHFA first mortgage, you must still meet all borrower eligibility requirements of CalHFA.

- Conventional loans must follow CalHFA's Cal30 borrower requirements.

- Government-insured (FHA loans) must follow CalHFA's FHA borrower requirements.

- Your income must be less than the allowable CHDAP income limits.

For more information about the CHDAP Program give a 21st Century Home Loan Expert a call today at (562) 984-6280.

Click on the links below to learn more about the downpayment assistance programs we offer:

- NSP2 Downpayment Assistance Program

- California Housing Finance Agency Program (CalHFA)

- California Homebuyer's Downpayment Assistance Program (CHDAP)


Southern California Refinance & Home Loan Lender

"We Are Your Southern California Lender!"

21st Century Home Loan - We Are Your Southern California Lender!

Proudly Serving Long Beach, Naples, Belmont Shore, Signal Hill, Seal Beach and the surrounding areas.

21st Century Home Loan
834 E. 4th St. #A
Long Beach, CA 90802
(562) 984-6280

21st Century Home Loan specializes in FHA Loans, Reverse Mortgages, CHF Access, Fannie Mae & Freddie Mac,
Jumbo Loans, VA Assistance and Down Payment Assistance .

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