Income Limits | Buying a Home (2024)

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 01/18/2024)
• CalHFA Income Limits for All CalHFA First Mortgages and Subordinate Mortgages (effective 07/07/2023)

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 Assumptions

• Federal Limits for Recapture and Loan Assumption (05/24/19)

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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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News & Updates

Latest Bulletins

Program Bulletin #2024-05 - Dream For All Pre-Registration Portal

Program Bulletin #2024-04 - Updated Subordinate Loan Documents

Program Bulletin #2024-03 - CalHFA to Administer Next Round of Dream For All Shared Appreciation Loan Funding

Latest eNews Announcements

eNews 03/06/24: Dream For All Pre-Registration Portal

eNews 02/20/24: CalHFA Announces Dream For All Phase 2

eNews announcements can be found on our Archived Page