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Coldwell Banker Star Realty
BRE Lic# 01456982
With an FHA loan, the mortgage insurance is partially paid up front (added to your loan amount) and partially paid each month with your mortgage payment.
FHA mortgage insurance is not removable. The only way to remove FHA mortgage insurance is to refinance the loan.
CHDAP, CALFF,etc are down payment assitance and first time home buyer programs. Some are offered by cities, counties, etc.
Each county has different programs. Your best bet is to look at the Housing and Urban Development websites for your city and county for the programs they offer.
Scroll down about midway through the page and some of them I have placed links too.
FYI...I have about three lenders who specialize in these programs so if you are in need of a reference to a good lender just drop me a line or email.
Always here to add value and I am always ready to work for you!