Call Toll Free: 1-866-Swift-Source
Alternate Tel: (858) 405-5620

Welcome to First-Time Homebuyer Heaven

Your Best Provider of Real Estate and Financing Services For The Purchase Of Your First Home

Ask Me A Question
 Apply Online

 Assistance Programs
 Quick Qualifying Chart
Calculate Tax Benefits
 My Promise To You
 My Closing Cost Guarantee
 Safe Loan Types
 Unsafe Loan Types
Home Buying Processs Homebuyer Misconceptions
 Credit and Credit Issues
 Closing Costs Explanation
Tax Advantages of Owning
Useful Free Reports
Meet Your Team
 Map of San Diego County
Contact Information







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.




Site Map   First Time Buyer In San Diego Home Page For Financial Assistance Programs












First Time Buyer Books

Realty Investor Books

Find An Affordable Home!

 Apply Online

Ask Me A Question

Here Is An Invitation to My Next Learning Annex Class On First-Time Homebuyer Financial Assistance

Check Out The Latest News In First-Time Homebuyer Financing


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