California offers various first-time homebuyer programs, including CalHFA loans with fixed rates and deferred assistance, MyHome and GSFA down payment aid, and local city programs with income-based eligibility. CalHFA loans include FHA and CalPLUS options, with ZIP covering closing costs. MyHome provides deferred second mortgages, while GSFA offers immediate-payment loans. Mortgage credit certificates and shared appreciation loans are also available in some areas.