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The Extra Credit Teacher Program (ECTP) is a down payment and closing cost assistance loan available to first time homebuyers. ECTP is offered by the California Housing Finance Agency (CalHFA), the State of California first time homebuyer assistance program. ECTP can also be used with the CalPLUS + ZIP, which provides an additional 3.5% of the loan amount that can be used along with the Extra Credit Teacher Program.
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