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
- CalHFA Income Limits for California Dream For All Shared Appreciation Loan Program (effective 06/10/2024)
- CalHFA Income Limits for All CalHFA First Mortgages and Subordinate Mortgages (effective 06/10/2024)
Low Income (LI) Income Limits
For 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 Limits
For use in calculating Recapture and Loan AssumptionsSales 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.
Loan Scenario Calculator
The Scenario Calculator helps you compare CalHFA loans to determine what loan scenario works best for your client.
News & Updates
Dates for May Lender Training have been posted
Latest Bulletins
Program Bulletin #2024-08 - FHA Limited 203(k) Updates
Program Bulletin #2024-07 - Updated Income Limits for all CalHFA First Mortgages, Dream For All, and MyHome Assistance Program
Program Bulletin #2024-06 - Updated 80% AMI income limits to determine Low Income eligibility
Latest eNews Announcements
eNews 07/02/24: Housing Matters Newsletter - July 2024
eNews 07/01/24: California Housing Finance Agency's Tiena Johnson Hall picked for FHFA advisory committee
eNews 06/28/24: CA Dream For All Vouchers Have Been Issued to 1,700 California Families
eNews announcements can be found on our Archived Page
