CalHFA-defined
High Cost and Non-High Cost Counties

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.