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.

Income Limits

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 and Forgivable Equity Builder Loan programs only

Maximum Federal Income Limits

For use in calculating Recapture and Loan Assumptions

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Sales Price Limits

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.

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Scenario CalculatorLoan Scenario Calculator

The Scenario Calculator helps you compare CalHFA loans to determine what loan scenario works best for your client.

News & Updates

Dates for July Lender Training have been posted

Latest Bulletins

Program Bulletin #2022-09 - Forgivable Equity Builder Loan Updates to Combined-Loan-to-Value

Program Bulletin #2022-08 - Change in Extension Fees on CalHFA's First Mortgage Loan Products

Program Bulletin #2022-07 - Updates to the Maximum DTI

Latest Enews Announcements

Enews 06/06/22: Program Bulletin #2022-08

Enews 06/06/22: Program Bulletin #2022-07

Enews 06/01/22: Program Bulletin #2022-06

Enews announcements can be found on our Archived Page