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CalHFA HIRAP Silent 2nd


  • The Homeownership in Revitalization Areas Program (HIRAP) can be utilized in Designated Redevelopment Areas in San Diego County.

  • The HIRAP is silent 2nd mortgage (no repayment will living in the home) with a 3% simple interest rate for an amount up to 6% of the purchase price.

  • Same purchase price limits as CalHFA 1st mortgages

  • Can be applied toward down payment AND closing costs

  • The HIRAP can be combined with the HiCAP but not the CHDAP or ECTP CalHFA silent subordinate mortgage programs.

  • HIRAP is limited to households with 80% or less AMI (Area Median Income) for a given household size. The income limits are:

    1-person household - $39,300
    2-person household - $44,900
    3-person household - $50,550
    4-person household - $56,150
    5-person household - $60,650
    6-person household - $65,150
    7-person household - $69,650
    8-person household - $74,100


By the way, I am a CalHFA Preferred Loan Officer.




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Brought To You By
Mark Harmon, Realtor

CalHFA Preferred Loan Officer
USA Realty and Loans

Brokerage Main Office
3994 Carson St.
San Diego, CA 92117