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Quick Qualifying Chart


Click on the amount of down payment you have available. This can include other first-time homebuyer assistance programs that you would qualify for as well:
 

To provide you with a reasonably accurate idea of what you might qualify for, click on the correct chart above. These charts assume that all financing will come from the CalHFA program and buyer down payment. The maximum purchase price shown below is based upon the combined income of all borrowers and the combined monthly debt of all borrowers. The purchase price limits shown below can often be exceeded if the buyer has down payment available, is able to go "Stated Income," or can qualify for additional first-time homebuyer assistance programs to combine with the CalHFA.

One very important thing to note from the chart is that each $10,000 of additional income increases purchasing power by approximately $60,000. Perhaps an even more important point to note is that each $100 of monthly debt payment reduces purchasing power by about $15,000. A first-time homebuyer who purchases a new car with a $500 monthly payment has just reduced his or her home purchasing power by about $75,000 (5 x $15,000). Look below and see what is your price range on this chart.

 

 

 

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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