Income Limits for CalHFA Home Buying
CalHFA assists low and moderate-income homebuyers in the realization of their goal of homeownership in California. CalHFA offers low interest rates to homebuyers who meet the income for the County in which they wish to purchase. Borrowers are to contact an approved CalHFA Lender for complete program details.
CalHFA's income limits cannot exceed certain federal maximum limits. In order to reach certain policy goals, CalHFA may set income limits below the federal limits.
CalHFA offers low interest rates for low to moderate income first time homebuyers in California.
Income limits may be different for each program. Please choose the program limits you need from the list below:
CalHFA Income Limits
Low Income (LI) Income Limits
(For conventional loan programs only)
Maximum Federal Income Limits
(For use in calculating Recapture and Loan Assumptions)
As defined in Program Bulletin 2020-07, effective June 1, 2020, CalHFA no longer has sales price limits on eligible properties. CalHFA income limits must continue to be met for all eligible CalHFA borrowers as well as the loan limits for each county per first loan program’s guidelines.
The Scenario Calculator helps you compare CalHFA loans to determine what loan scenario works best for your client.
News & Updates
Dates for December & January Lender Training have been posted
Program Bulletin #2021-09 - MyHome Expands Exceptions to the $15,000 Cap
Program Bulletin #2021-08 - Updated CalHFA Borrower's Affidavit & Certification and elimination of the CalHFA 5 acre maximum lot size requirement
Program Bulletin #2021-07 - CalHFA supports the building of Accessory Dwelling Units (ADUs) to create more affordable housing options in California
Latest Enews Announcements
Enews 10/04/21: CalHFA is removing the five acres maximum lot size requirement
Enews 08/20/21: HAF Plan Submitted to U.S. Treasury
Enews 07/20/21: Tiena Johnson Hall is California Housing Finance Agency's New Executive Director
Enews announcements can be found on our Archived Page