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 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

Latest Bulletins

Program Bulletin #2021-03 - MyHome Interest Rate Decreases to 1.00%

Program Bulletin #2021-02 - CalHFA to offer the Section 203(h) program for California Disaster Victims

Program Bulletin #2021-01 - MyHome Loan Amount Cap to Increase to $11,000

Latest Enews Announcements

Enews 01/05/21: CalHFA Enews: Program Bulletin #2021-03

Enews 02/26/21: California Housing Finance Agency Executive Director Boatman Patterson tapped by Biden Administration

Enews 02/01/21: CalHFA to offer the Section 203(h) program for California Disaster Victims

Enews announcements can be found on our Archived Page