There are multiple offers on most good listings.
CalHFA mortgages are known for closing late.
Sellers are tempted to skip your offer all together.
You will most likely end up with a house that is not the greatest if someone picks up your offer. If the market slows down as it may be doing then you may be able to pull off a CalHFA. By the way the CalHFA has several local programs with different names, they all seem to be CalHFA.
There are areas near there that qualify for zero down, that may be a better idea.
Contact me for more information.