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!
UPDATE: CalHFA DISCONTINUED this CHDAP program and replaced it with the MyHome Assistance Program. ==> Read details about MyHome Assistance program. Disregard the information below.
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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