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
- CalHFA Income Limits for All CalHFA First Mortgages and Subordinate Mortgages (effective 07/07/2023)
Low Income (LI) Income LimitsFor Conventional and Forgivable Equity Builder Loan programs only
- Fannie Mae Area Median Income Lookup Tool (effective 06/12/2023)
- Search Archived Low Income (LI) Limits
Maximum Federal Income LimitsFor 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.
Dates for October Lender Training have been posted
Program Bulletin #2023-10 - CalHFA to Expand Temporary Buydown Options
Program Bulletin #2023-09 - Updated CalHFA State Reporting Disclosure
Program Bulletin #2023-08 - Updated ZIP Interest Rate Acknowledgment Form
Latest eNews Announcements
eNews 08/15/23: CalHFA helped create housing opportunities for more than 13,000 Californians last fiscal year
eNews 07/18/23: California Dream For All Shared Appreciation Loan Program Update
eNews 06/29/23: Accessory Dwelling Units Update
eNews announcements can be found on our Archived Page