2013-2014 CHDAP Income Limits – California Homebuyers Downpayment Assistance Program

The 2013-2014 CalHFA CHDAP maximum income limits have been updated and surprisingly increased in all 58 counties of California when used with FHA, VA, USDA and Conventional financing!

CHDAP  (California Homebuyers Downpayment Assistance Program) provides a silent second deferred interest loan (up to 3% of the sales price) that California first time home buyers can apply towards meeting their down payment requirement.  So it’s possible you only need .5% down payment when using it with and FHA loan.

==> Qualify for CHDAP Assistance w/ 2013-2014 income limits

CHDAP assistance program may be combined with any non-CalHFA loan program such as FHA, VA, USDA, and Conventional financing.  The maximum county income limit is higher when using CHDAP with VA, USDA, or Conventional financing and is most often used as a closing cost assistance program in this situation. (see tables below)

But be careful, very few lenders are aware that CHDAP has significantly reduced how much they will allow first time home buyers to qualify for by 20%.  My guess is many loan officers will be ‘over-qualifying’ buyers and this will  result in even more buyers getting denied while in escrow.

The CHDAP qualifying income limit varies depending on the county and household size.

CHDAP County Income Limit When Combined with FHA Financing

2013-2014 CHDAP Income Limit
Persons 1 2 3 4 5 6 7 8
ALAMEDA $ 75,250 $ 86,000 $ 96,750 $ 107,500 $ 116,150 $ 124,700 $ 133,350 $ 141,900
ALPINE $ 68,650 $ 78,450 $ 88,250 $ 98,050 $ 105,900 $ 113,800 $ 121,600 $ 129,450
AMADOR $ 55,700 $ 63,650 $ 71,600 $ 79,550 $ 85,950 $ 92,300 $ 98,700 $ 105,050
BUTTE $ 47,200 $ 54,000 $ 60,750 $ 67,500 $ 72,900 $ 78,250 $ 83,700 $ 89,100
CALAVERAS $ 56,100 $ 64,100 $ 72,150 $ 80,150 $ 86,550 $ 93,000 $ 99,400 $ 105,800
COLUSA $ 46,600 $ 53,250 $ 59,900 $ 66,600 $ 71,900 $ 77,200 $ 82,600 $ 87,900
CONTRA COSTA $ 75,250 $ 86,000 $ 96,750 $ 107,500 $ 116,150 $ 124,700 $ 133,350 $ 141,900
DEL NORTE $ 46,600 $ 53,250 $ 59,900 $ 66,600 $ 71,900 $ 77,200 $ 82,600 $ 87,900
EL DORADO $ 61,200 $ 70,000 $ 78,700 $ 87,450 $ 94,450 $ 101,450 $ 108,450 $ 115,450
FRESNO $ 46,600 $ 53,250 $ 59,900 $ 66,600 $ 71,900 $ 77,200 $ 82,600 $ 87,900
GLENN $ 46,600 $ 53,250 $ 59,900 $ 66,600 $ 71,900 $ 77,200 $ 82,600 $ 87,900
HUMBOLDT $ 46,600 $ 53,250 $ 59,900 $ 66,600 $ 71,900 $ 77,200 $ 82,600 $ 87,900
IMPERIAL $ 46,600 $ 53,250 $ 59,900 $ 66,600 $ 71,900 $ 77,200 $ 82,600 $ 87,900
INYO $ 52,900 $ 60,500 $ 68,050 $ 75,350 $ 81,650 $ 87,750 $ 93,800 $ 99,850
KERN $ 46,600 $ 53,250 $ 59,900 $ 66,600 $ 71,900 $ 77,200 $ 82,600 $ 87,900
KINGS $ 46,600 $ 53,250 $ 59,900 $ 66,600 $ 71,900 $ 77,200 $ 82,600 $ 87,900
LAKE $ 46,600 $ 53,250 $ 59,900 $ 66,600 $ 71,900 $ 77,200 $ 82,600 $ 87,900
LASSEN $ 53,750 $ 61,400 $ 69,100 $ 76,800 $ 82,900 $ 89,050 $ 95,250 $ 101,350
LOS ANGELES $ 52,150 $ 59,600 $ 67,050 $ 74,500 $ 80,450 $ 86,400 $ 92,350 $ 98,350
MADERA $ 46,600 $ 53,250 $ 59,900 $ 66,600 $ 71,900 $ 77,200 $ 82,600 $ 87,900
MARIN $ 82,850 $ 94,750 $ 106,600 $ 118,450 $ 127,900 $ 137,400 $ 146,850 $ 156,350
MARIPOSA $ 49,350 $ 56,350 $ 63,400 $ 70,450 $ 76,100 $ 81,700 $ 87,400 $ 93,050
MENDOCINO $ 46,600 $ 53,250 $ 59,900 $ 66,600 $ 71,900 $ 77,200 $ 82,600 $ 87,900
MERCED $ 46,600 $ 53,250 $ 59,900 $ 66,600 $ 71,900 $ 77,200 $ 82,600 $ 87,900
MODOC $ 46,600 $ 53,250 $ 59,900 $ 66,600 $ 71,900 $ 77,200 $ 82,600 $ 87,900
MONO $ 64,050 $ 73,200 $ 82,350 $ 91,500 $ 98,850 $ 106,150 $ 113,450 $ 120,750
MONTEREY $ 55,250 $ 63,200 $ 71,100 $ 79,000 $ 85,300 $ 91,650 $ 97,950 $ 104,300
NAPA $ 69,250 $ 79,200 $ 89,050 $ 98,950 $ 106,900 $ 114,850 $ 122,750 $ 130,650
NEVADA $ 58,400 $ 66,750 $ 75,100 $ 83,450 $ 90,100 $ 96,800 $ 103,500 $ 110,150
ORANGE County $ 70,150 $ 80,200 $ 90,250 $ 100,250 $ 108,250 $ 116,300 $ 124,300 $ 132,350
PLACER $ 61,200 $ 70,000 $ 78,700 $ 87,450 $ 94,450 $ 101,450 $ 108,450 $ 115,450
PLUMAS $ 49,900 $ 57,000 $ 64,150 $ 71,300 $ 77,000 $ 82,700 $ 88,400 $ 94,100
RIVERSIDE County $ 52,300 $ 59,800 $ 67,250 $ 74,750 $ 80,700 $ 86,700 $ 92,650 $ 98,650
SACRAMENTO $ 61,200 $ 70,000 $ 78,700 $ 87,450 $ 94,450 $ 101,450 $ 108,450 $ 115,450
SAN BENITO $ 65,250 $ 74,600 $ 83,900 $ 93,200 $ 100,700 $ 108,100 $ 115,600 $ 123,050
SAN BERNARDINO $ 52,300 $ 59,800 $ 67,250 $ 74,750 $ 80,700 $ 86,700 $ 92,650 $ 98,650
SAN DIEGO County $ 61,050 $ 69,850 $ 78,550 $ 87,300 $ 94,300 $ 101,250 $ 108,200 $ 115,200
SAN FRANCISCO $ 82,850 $ 94,750 $ 106,600 $ 118,450 $ 127,900 $ 137,400 $ 146,850 $ 156,350
SAN JOAQUIN $ 53,350 $ 60,950 $ 68,600 $ 76,200 $ 82,300 $ 88,450 $ 94,500 $ 100,600
SAN LUIS OBISPO $ 60,700 $ 69,350 $ 78,050 $ 86,700 $ 93,650 $ 100,600 $ 107,500 $ 114,450
SAN MATEO $ 82,850 $ 94,750 $ 106,600 $ 118,450 $ 127,900 $ 137,400 $ 146,850 $ 156,350
SANTA BARBARA $ 58,950 $ 67,400 $ 75,850 $ 84,250 $ 91,000 $ 97,750 $ 104,500 $ 111,250
SANTA CLARA $ 84,900 $ 97,050 $ 109,200 $ 121,300 $ 131,050 $ 140,700 $ 150,450 $ 160,100
SANTA CRUZ $ 70,050 $ 80,000 $ 90,000 $ 100,050 $ 108,050 $ 116,050 $ 124,050 $ 132,050
SHASTA $ 47,450 $ 54,250 $ 61,000 $ 67,850 $ 73,250 $ 78,700 $ 84,100 $ 89,550
SIERRA $ 58,100 $ 66,400 $ 74,750 $ 83,000 $ 89,700 $ 96,300 $ 102,950 $ 109,600
SISKIYOU $ 46,600 $ 53,250 $ 59,900 $ 66,600 $ 71,900 $ 77,200 $ 82,600 $ 87,900
SOLANO $ 66,450 $ 75,950 $ 85,450 $ 94,950 $ 102,550 $ 110,150 $ 117,750 $ 125,350
SONOMA $ 66,450 $ 75,950 $ 85,450 $ 94,950 $ 102,550 $ 110,150 $ 117,750 $ 125,350
STANISLAUS $ 49,900 $ 57,000 $ 64,150 $ 71,300 $ 77,000 $ 82,700 $ 88,400 $ 94,100
SUTTER $ 47,800 $ 54,650 $ 61,450 $ 68,300 $ 73,750 $ 79,250 $ 84,700 $ 90,150
TEHAMA $ 46,600 $ 53,250 $ 59,900 $ 66,600 $ 71,900 $ 77,200 $ 82,600 $ 87,900
TRINITY $ 46,600 $ 53,250 $ 59,900 $ 66,600 $ 71,900 $ 77,200 $ 82,600 $ 87,900
TULARE $ 46,600 $ 53,250 $ 59,900 $ 66,600 $ 71,900 $ 77,200 $ 82,600 $ 87,900
TUOLUMNE $ 53,700 $ 61,350 $ 69,000 $ 76,700 $ 82,800 $ 88,950 $ 95,100 $ 101,200
VENTURA $ 71,850 $ 82,100 $ 92,400 $ 102,650 $ 110,850 $ 119,100 $ 127,300 $ 135,550
YOLO $ 61,900 $ 70,750 $ 79,550 $ 88,450 $ 95,500 $ 102,550 $ 109,650 $ 116,750
YUBA $ 47,800 $ 54,650 $ 61,450 $ 68,300 $ 73,750 $ 79,250 $ 84,700 $ 90,150

 

CHDAP county income limit when combined with VA, USDA, or Conventional Financing.

2013-2014 CHDAP  Income Limit
Persons 1 2 3 4 5 6 7 8
ALAMEDA $78,550 $89,750 $101,000 $112,200 $121,200 $130,150 $139,150 $148,100
ALPINE $71,650 $81,900 $92,100 $102,350 $110,550 $118,750 $126,900 $135,100
AMADOR $58,150 $66,450 $74,750 $83,050 $89,700 $96,350 $103,000 $109,650
BUTTE $49,300 $56,350 $63,400 $70,450 $76,100 $81,700 $87,350 $93,000
CALAVERAS $58,550 $66,900 $75,300 $83,650 $90,350 $97,050 $103,750 $110,400
COLUSA $48,650 $55,600 $62,550 $69,500 $75,050 $80,600 $86,200 $91,750
CONTRA COSTA $78,550 $89,750 $101,000 $112,200 $121,200 $130,150 $139,150 $148,100
DEL NORTE $48,650 $55,600 $62,550 $69,500 $75,050 $80,600 $86,200 $91,750
EL DORADO $63,900 $73,050 $82,150 $91,300 $98,600 $105,900 $113,200 $120,500
FRESNO $48,650 $55,600 $62,550 $69,500 $75,050 $80,600 $86,200 $91,750
GLENN $48,650 $55,600 $62,550 $69,500 $75,050 $80,600 $86,200 $91,750
HUMBOLDT $48,650 $55,600 $62,550 $69,500 $75,050 $80,600 $86,200 $91,750
IMPERIAL $48,650 $55,600 $62,550 $69,500 $75,050 $80,600 $86,200 $91,750
INYO $55,250 $63,150 $71,050 $78,650 $85,250 $91,600 $97,900 $104,200
KERN $48,650 $55,600 $62,550 $69,500 $75,050 $80,600 $86,200 $91,750
KINGS $48,650 $55,600 $62,550 $69,500 $75,050 $80,600 $86,200 $91,750
LAKE $48,650 $55,600 $62,550 $69,500 $75,050 $80,600 $86,200 $91,750
LASSEN $56,100 $64,100 $72,150 $80,150 $86,550 $92,950 $99,400 $105,800
LOS ANGELES $54,450 $62,200 $70,000 $77,750 $83,950 $90,200 $96,400 $102,650
MADERA $48,650 $55,600 $62,550 $69,500 $75,050 $80,600 $86,200 $91,750
MARIN $86,500 $98,900 $111,250 $123,600 $133,500 $143,400 $153,250 $163,150
MARIPOSA $51,500 $58,850 $66,200 $73,550 $79,450 $85,300 $91,200 $97,100
MENDOCINO $48,650 $55,600 $62,550 $69,500 $75,050 $80,600 $86,200 $91,750
MERCED $48,650 $55,600 $62,550 $69,500 $75,050 $80,600 $86,200 $91,750
MODOC $48,650 $55,600 $62,550 $69,500 $75,050 $80,600 $86,200 $91,750
MONO $66,850 $76,400 $85,950 $95,500 $103,150 $110,800 $118,400 $126,050
MONTEREY $57,700 $65,950 $74,200 $82,450 $89,050 $95,650 $102,250 $108,850
NAPA $72,300 $82,650 $92,950 $103,300 $111,550 $119,850 $128,100 $136,350
NEVADA $60,950 $69,700 $78,400 $87,100 $94,050 $101,050 $108,000 $114,950
ORANGE County $73,250 $83,700 $94,200 $104,650 $113,000 $121,400 $129,750 $138,150
PLACER $63,900 $73,050 $82,150 $91,300 $98,600 $105,900 $113,200 $120,500
PLUMAS $52,100 $59,500 $66,950 $74,400 $80,350 $86,300 $92,250 $98,200
RIVERSIDE County $54,600 $62,400 $70,200 $78,000 $84,250 $90,500 $96,700 $102,950
SACRAMENTO $63,900 $73,050 $82,150 $91,300 $98,600 $105,900 $113,200 $120,500
SAN BENITO $68,100 $77,850 $87,550 $97,300 $105,100 $112,850 $120,650 $128,450
SAN BERNARDINO $54,600 $62,400 $70,200 $78,000 $84,250 $90,500 $96,700 $102,950
SAN DIEGO County $63,750 $72,900 $82,000 $91,100 $98,400 $105,700 $112,950 $120,250
SAN FRANCISCO $86,500 $98,900 $111,250 $123,600 $133,500 $143,400 $153,250 $163,150
SAN JOAQUIN $55,700 $63,650 $71,600 $79,550 $85,900 $92,300 $98,650 $105,000
SAN LUIS OBISPO $63,350 $72,400 $81,450 $90,500 $97,750 $105,000 $112,200 $119,450
SAN MATEO $86,500 $98,900 $111,250 $123,600 $133,500 $143,400 $153,250 $163,150
SANTA BARBARA $61,550 $70,350 $79,150 $87,950 $95,000 $102,000 $109,050 $116,100
SANTA CLARA $88,600 $101,300 $113,950 $126,600 $136,750 $146,850 $157,000 $167,100
SANTA CRUZ $73,100 $83,500 $93,950 $104,400 $112,750 $121,100 $129,450 $137,800
SHASTA $49,550 $56,650 $63,700 $70,800 $76,450 $82,150 $87,800 $93,450
SIERRA $60,650 $69,300 $78,000 $86,650 $93,600 $100,500 $107,450 $114,400
SISKIYOU $48,650 $55,600 $62,550 $69,500 $75,050 $80,600 $86,200 $91,750
SOLANO $69,350 $79,300 $89,200 $99,100 $107,050 $114,950 $122,900 $130,800
SONOMA $69,350 $79,300 $89,200 $99,100 $107,050 $114,950 $122,900 $130,800
STANISLAUS $52,100 $59,500 $66,950 $74,400 $80,350 $86,300 $92,250 $98,200
SUTTER $49,900 $57,050 $64,150 $71,300 $77,000 $82,700 $88,400 $94,100
TEHAMA $48,650 $55,600 $62,550 $69,500 $75,050 $80,600 $86,200 $91,750
TRINITY $48,650 $55,600 $62,550 $69,500 $75,050 $80,600 $86,200 $91,750
TULARE $48,650 $55,600 $62,550 $69,500 $75,050 $80,600 $86,200 $91,750
TUOLUMNE $56,050 $64,050 $72,050 $80,050 $86,450 $92,850 $99,250 $105,650
VENTURA $75,000 $85,700 $96,450 $107,150 $115,700 $124,300 $132,850 $141,450
YOLO $64,600 $73,850 $83,050 $92,300 $99,700 $107,050 $114,450 $121,850
YUBA $49,900 $57,050 $64,150 $71,300 $77,000 $82,700 $88,400 $94,100

CHDAP income limit in Riverside County and San Bernardino have gone up.

Orange County and San Diego CHDAP income limit have gone up.

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