Federally Designated Targeted Areas
What is a Targeted Area?
Areas that are "targeted" by the Federal Government were identified in the 2010 Census as areas in California where 70 percent of the families who live there earn an income that is 80 percent or less than the statewide median income. Forty-five (45) of California's 58 counties have targeted areas - with 37 percent of the areas located in Los Angeles County.
(While cities, counties and other governmental agencies may also have specific areas in their jurisdiction "targeted" for other program purposes, only those census tracts identified by the Federal Government as "targeted" are used for CalHFA's purposes, as it relates to a waiver of the first-time homebuyer requirement on the MCC program, sales price limits and certain income limits.)
How do I locate Targeted Areas in California?
- If you know the census tract number: Use the IRS list of 2014 Qualified Census Tracts by county.
- If you have a street address: Visit HUD's interactive QCT Map and enter the property address to view what Census Tract the property is located. Once you have the census tract number then compare it with the IRS list of 2014 Qualified Census Tracts to see if you have a match.
- If you don't have a tract number or a street address: Visit HUD's interactive QCT Map and enter a State & County to determine the QCTs in the neighborhood that you are looking for a property. (see sample map below)
Sample Interactive QCT Map:
The Scenario Calculator helps you compare CalHFA loans to determine what loan scenario works best for your client.
News & Updates
Program Bulletin #2020-11 - Increased Conventional and Government Loan Limits Effective January 1, 2021
Program Bulletin #2020-10 - Maximum Debt-to-Income Ratio for All Borrowers Increasing to 45%
Program Bulletin #2020-09 - MyHome Interest Rate Decreases to 2.00%
Latest Enews Announcements
Enews 01/05/21: CalHFA Homebuyer Education Requirement Update
Enews 12/21/20: Program Bulletin #2020-11
Enews 12/17/20: CalHFA kicks off National Mortgage Settlement Counseling Program
Enews announcements can be found on our Archived Page