Homebuyer Education Requirement

Monday, October 27, 2025

Primary Blog/Requirements/Homebuyer Education Requirement

Homebuyer Education:
A Key Step for Dream For All Success

If you’re planning to use CalHFA’s Dream For All or any CalHFA home loan program, there’s one important step you can’t skip — completing homebuyer education and counseling.

CalHFA believes that informed buyers make happier, more successful homeowners, and this course is designed to help you feel confident every step of the way.

🏡Who Needs to Take the Course?

Only one borrower on the loan, specifically, one first-time homebuyer who will live in the home needs to complete the course.

So if you’re buying with a co-borrower, only the occupying first-time buyer has to take it.​

💻 Option 1: Take It Online

CalHFA only accepts one online course:
👉 Click here: eHome’s 8-hour Homebuyer Education and Counseling course

  • Cost: $100
  • Includes: A required one-hour, one-on-one counseling session
  • Important: Other online courses like Framework or HomeView do not qualify because they don’t include that personal counseling component.

You can complete the eHome course at your own pace from home, and then schedule your one-on-one session before closing on your loan.

🧑‍🏫 Option 2: Take It In Person or Virtually

If you prefer a live learning experience, you can take the course in person or virtually through:

  • NeighborWorks America, or
  • Any HUD-Approved Housing Counseling Agency

Fees vary by organization, but you’ll get the same official certificate that CalHFA requires.

Have questions?

If you’re preparing for Dream For All’s 2026 relaunch, schedule a one-on-one call with me today to make sure you qualify!

Schedule a Call

This content is for educational purposes only and is not a commitment to lend. Program terms, income limits, and eligibility requirements for CalHFA and Dream For All are determined by CalHFA and subject to change. John King (NMLS #453426) is a CalHFA Preferred Loan Officer with Summit Funding, Inc. (NMLS #3199), a CalHFA-preferred lender. CalHFA does not lend directly to consumers.

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John King

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John King (NMLS #453426) is a CalHFA preferred loan officer, authorized to offer the California Dream for All program through Summit Funding, Inc., NMLS #3199. The content on this site is for general educational and informational purposes only. California Dream for All is a state program, and all information—including eligibility, terms, and availability—is subject to change without notice by CalHFA or the State of California. This independent site is operated by John King and is not affiliated with, endorsed by, or a branch of CalHFA or the State of California. Any offers, claims, or rate quotes are those of Summit Funding, Inc. and John King and are not guaranteed.