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 generally offers a reduced interest rate for eligible homebuyers who meet the "Low Income" limits, adjusted for household size. Loans and favorable interest rates are also available to "Moderate Income" households. The following are available to print in Adobe Acrobat pdf format.

Income limits may be different for each program, please choose the program's limits you need from the list below.

• Cal30 Program

• CHDAP Program - (HCD Moderate Limits)

• Targeted Areas, Recapture, and Loan Assumption - (Federal Limits)

CalHFA does not lend money directly to consumers. CalHFA works through and uses approved private lenders to qualify consumers and to make all mortgage loans. CalHFA purchases closed loans that meet CalHFA's requirements. The fees consumers pay could be different depending on the lender and the program.