High Cost Coastal Regions/Counties
- Bay
Area:
Alameda,
Contra Costa, Marin, Napa, San Francisco, San Mateo, Solano, Sonoma
- Central
Coast:
Monterey,
San Benito, San Luis Obispo, Santa Barbara, Santa Clara, Santa Cruz,
Ventura
- Southern
Coast:
Los Angeles (Except Palmdale/Lancaster Areas), Orange, San Diego
Non-High Cost Counties
- Northern
California Rural:
Alpine,
Amador, Butte, Calaveras, Colusa, Del Norte, El Dorado, Glenn,
Humboldt, Inyo, Lake, Lassen, Mariposa, Mendocino,
Modoc, Mono, Nevada, Plumas, Shasta, Sierra, Siskiyou,
Sutter, Tehama, Trinity, Tuolumne, Yuba
- Central
Valley:
Fresno,
Kern, Kings, Los Angeles (Palmdale/Lancaster Areas Only), Madera,
Merced, Placer, Sacramento, San Joaquin, Stanislaus, Tulare, Yolo
- Inland
Empire:
Imperial,
Riverside, San Bernardino
CalHFA does not lend money directly to consumers. CalHFA works through and uses approved private lenders to qualify consumers and to make all mortgage loans. CalHFA purchases closed loans that meet CalHFA's requirements. The fees consumers pay could be different depending on the lender and the program.
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