Income limits · California

Income limits and price caps in California

317 California programs publish an income limit, a price cap, or both. Most write the limit as a share of the county’s area median income.317 California programs publish an income limit, a purchase price cap, or both. Most write the limit as a share of the county’s area median income. Here is how to read one.

01
HUD sets the median
Each year, for every county, quoted for a household of four.Each year HUD publishes the area median income for every county, quoted for a household of four.
02
The program picks a share
Up to that share of the median for the county where the home is.A limit written as a share of area median income means up to that share of the median for the county where the home is.
03
The agency publishes the dollars
Adjusted for household size, in the program’s own table. That table is the one that counts.The program adjusts its limit for household size and county, and publishes its own table. That table is the one that counts.

Area median income by county

Find your county’s median

HUD’s four-person figure. Programs adjust it for household size.HUD’s four-person figure for the county where the home is. A program applies its percentage to this number, adjusted for household size by the program.

County	Area median income, 4 people	Programs in county	HUD year	Link
Los Angeles	$108,100	33	FY2026	Los Angeles programs →
San Diego	$130,900	19	FY2026	San Diego programs →
Alameda	$162,800	15	FY2026	Alameda programs →
San Bernardino	$106,500	13	FY2026	San Bernardino programs →
Orange	$138,600	12	FY2026	Orange programs →
San Francisco	$200,800	12	FY2026	San Francisco programs →
Riverside	$106,500	11	FY2026	Riverside programs →
Ventura	$135,600	11	FY2026	Ventura programs →
Contra Costa	$162,800	10	FY2026	Contra Costa programs →
Santa Clara	$205,500	10	FY2026	Santa Clara programs →
Sacramento	$124,000	9	FY2026	Sacramento programs →
Fresno	$91,300	6	FY2026	Fresno programs →
Stanislaus	$94,600	6	FY2026	Stanislaus programs →
Santa Barbara	$118,600	5	FY2026	Santa Barbara programs →
Butte	$89,400	4	FY2026	Butte programs →
Kern	$81,900	4	FY2026	Kern programs →
Santa Cruz	$137,200	4	FY2026	Santa Cruz programs →
Solano	$120,300	4	FY2026	Solano programs →
Tulare	$76,400	4	FY2026	Tulare programs →
Kings	$84,900	3	FY2026	Kings programs →
Napa	$165,400	3	FY2026	Napa programs →
Nevada	$140,400	3	FY2026	Nevada programs →
Placer	$124,000	3	FY2026	Placer programs →
San Luis Obispo	$129,600	3	FY2026	San Luis Obispo programs →
San Mateo	$200,800	3	FY2026	San Mateo programs →
Shasta	$97,100	3	FY2026	Shasta programs →
Yolo	$129,600	3	FY2026	Yolo programs →
Amador	$110,500	2	FY2026	Amador programs →
Calaveras	$102,600	2	FY2026	Calaveras programs →
Del Norte	$91,300	2	FY2026	Del Norte programs →
Humboldt	$85,700	2	FY2026	Humboldt programs →
Lake	$72,400	2	FY2026	Lake programs →
Marin	$200,800	2	FY2026	Marin programs →
Mariposa	$95,600	2	FY2026	Mariposa programs →
Mendocino	$99,100	2	FY2026	Mendocino programs →
Merced	$75,800	2	FY2026	Merced programs →
Monterey	$110,500	2	FY2026	Monterey programs →
San Joaquin	$108,100	2	FY2026	San Joaquin programs →
Sonoma	$133,400	2	FY2026	Sonoma programs →
Tehama	$86,500	2	FY2026	Tehama programs →
Alpine	$124,800	1	FY2026	Alpine programs →
Colusa	$91,400	1	FY2026	Colusa programs →
El Dorado	$124,000	1	FY2026	El Dorado programs →
Glenn	$84,100	1	FY2026	Glenn programs →
Imperial	$75,500	1	FY2026	Imperial programs →
Lassen	$86,200	1	FY2026	Lassen programs →
Madera	$82,200	1	FY2026	Madera programs →
Modoc	$75,300	1	FY2026	Modoc programs →
Mono	$120,400	1	FY2026	Mono programs →
Plumas	$93,500	1	FY2026	Plumas programs →
Sierra	$88,000	1	FY2026	Sierra programs →
Siskiyou	$78,500	1	FY2026	Siskiyou programs →
Sutter	$101,900	1	FY2026	Sutter programs →
Trinity	$79,200	1	FY2026	Trinity programs →
Tuolumne	$102,200	1	FY2026	Tuolumne programs →
Yuba	$101,900	1	FY2026	Yuba programs →
Inyo	$96,300	0	FY2026	Inyo programs →
San Benito	$121,800	0	FY2026	San Benito programs →

HUD FY2026 Income Limits, median family income for a four-person household. Program counts: programs whose record names the county, Hey Prescott, verified June–August 2026. Statewide programs apply too.

How programs set their limits

The percentage each program publishesThe percentage each California program publishes

Grouped by the limit in each program’s own record.Grouped by the limit written in the program’s own record. A program may also set lower tiers inside its limit; the program page has the details.

Up to 80% AMI

144 programs

All 144 →

Up to 120% AMI

50 programs

All 50 →

Up to 160% AMI

16 programs

All 16 →

Up to 150% AMI

12 programs

All 12 →

Up to 115% AMI

11 programs

All 11 →

Other limits

Limits as written in each program record, Hey Prescott, verified June–August 2026. Confirm current limits with the administering agency.

Purchase price caps

180 programs also cap the home’s price180 programs also cap the price of the home

The highest price the program accepts, as it publishes it.The cap is the highest purchase price the program accepts, as the program publishes it.

Program	County	Income limit	Price cap
UC Systemwide Mortgage Origination Program (UC MOP)	—	—	$2.5M
San Francisco DALP (Downpayment Assistance Loan Program)	San Francisco	200% AMI	$1.3M
GSFA Assist-to-Own - Los Angeles County Employees	Los Angeles	200% AMI	$1.2M
GSFA Platinum Grant - Los Angeles County Specific	Los Angeles	160% AMI	$1.2M
GSFA Platinum Grant - Alameda County Specific	Alameda	160% AMI	$1.2M
GSFA Platinum Grant - Contra Costa County Specific	Contra Costa	160% AMI	$1.2M
GSFA Platinum Grant - Santa Clara County Specific	Santa Clara	160% AMI	$1.2M
City of Mountain View First-Time Homebuyer Program	Santa Clara	120% AMI	$1.2M
City of South San Francisco Down Payment Assistance	San Mateo	120% AMI	$1.2M
City of Sunnyvale First-Time Homebuyer Program	Santa Clara	120% AMI	$1.2M
Marin County First-Time Homebuyer Program	Marin	120% AMI	$1.2M
GSFA Platinum Grant - Orange County Specific	Orange	160% AMI	$1.1M
GSFA Assist-to-Own - San Diego County Employees	San Diego	200% AMI	$1.1M
GSFA Platinum Grant - San Diego County Specific	San Diego	160% AMI	$1.1M
AC Boost - Alameda County Down Payment Assistance	Alameda	150% AMI	$1.0M
City of Berkeley First-Time Homebuyer Down Payment Assistance	Alameda	120% AMI	$1.0M
City of Milpitas Below Market Rate Homebuyer Program	Santa Clara	120% AMI	$1.0M
City of Pleasanton First-Time Homebuyer Program	Alameda	120% AMI	$1.0M
City of Santa Barbara First-Time Homebuyer Program	Santa Barbara	120% AMI	$1.0M
Los Angeles LIPA Program	Los Angeles	80% AMI	$973,750
Los Angeles MIPA (Moderate Income Purchase Assistance) Program	Los Angeles	120% AMI	$973,750
City of Rosemead Community Development Homeownership Assistance Program	Los Angeles	0% AMI	$916,750
City of Hayward First-Time Homebuyer Program	Alameda	120% AMI	$900,000
City of Livermore First-Time Homebuyer Assistance	Alameda	120% AMI	$900,000
City of San Leandro Down Payment Assistance	Alameda	120% AMI	$900,000
City of Walnut Creek First-Time Homebuyer Program	Contra Costa	120% AMI	$900,000
Housing Trust Fund Santa Barbara North County Workforce Homebuyer Program	Santa Barbara	80% AMI	$900,000
Housing Trust Fund Santa Barbara Workforce Homebuyer Program (South County)	Santa Barbara	150% AMI	$900,000
GSFA Platinum Grant - Ventura County Specific	Ventura	160% AMI	$873,000
City of Burbank First-Time Homebuyer Program	Los Angeles	120% AMI	$850,000
City of Glendale Homebuyer Assistance Program	Los Angeles	120% AMI	$850,000
City of Oakland First-Time Homebuyer Program	Alameda	120% AMI	$850,000
City of Pasadena First Time Homebuyer Program (HOP)	Los Angeles	80% AMI	$850,000
Home Ownership Program (HOP120)	Los Angeles	120% AMI	$850,000
NACA Purchase Program - California	—	—	$822,375
City of Concord First-Time Homebuyer Program	Contra Costa	80% AMI	$800,000
City of Long Beach First-Generation Homebuyer Grant	Los Angeles	80% AMI	$800,000
City of Norwalk First-Time Homebuyer Program	Los Angeles	80% AMI	$800,000
City of Oxnard Down Payment Assistance Program (PLHA)	Ventura	80% AMI	$800,000
City of Oxnard First-Time Homebuyer Program (Separate from VCCDC)	Ventura	80% AMI	$800,000
City of Oxnard Homebuyer Assistance Program	Ventura	80% AMI	$800,000
City of Oxnard Homebuyer Program (County Expansion)	Ventura	80% AMI	$800,000
City of Petaluma First-Time Homebuyer Assistance	Sonoma	120% AMI	$800,000
City of Thousand Oaks First-Time Homebuyer Assistance	Ventura	120% AMI	$800,000
LA County LACDA Home Ownership Program (HOP)	Los Angeles	120% AMI	$800,000
Napa County Housing Authority Down Payment Assistance	Napa	120% AMI	$800,000
VCCDC DPA - City of Camarillo	Ventura	120% AMI	$800,000
GSFA Platinum - Mono County	Mono	—	$776,250
City of Anaheim First-Time Homebuyer Program	Orange	80% AMI	$766,000
City of Santa Ana My First Home Program	Orange	80% AMI	$766,000
Orange County Mortgage Assistance Program (MAP)	Orange	80% AMI	$765,960
CalHFA CalPLUS Conventional + ZIP Combined Program	—	150% AMI	$765,000
CalHFA CalPLUS FHA + ZIP Combined Program	—	150% AMI	$765,000
CalHFA Dream For All Shared Appreciation Loan	—	120% AMI	$765,000
CalHFA Forgivable Equity Builder Loan (FEBL)	—	80% AMI	$765,000
CalHFA Mortgage Credit Certificate (MCC) Program	—	115% AMI	$765,000
CalHFA MyAccess Assistance Program	—	120% AMI	$765,000
CalHFA MyHome Assistance Program	—	120% AMI	$765,000
CalHFA School Teacher and Employee Assistance Program (STEAP)	—	120% AMI	$765,000
CalHFA VA Loan Program with MyHome	—	120% AMI	$765,000
CalHFA ZIP Program	—	150% AMI	$765,000
City of Napa Down Payment Assistance Program	Napa	0% AMI	$764,750
GSFA Assist-to-Own - Placer County Employees	Placer	—	$764,750
GSFA Assist-to-Own - Sacramento County Employees	Sacramento	200% AMI	$764,750
GSFA Platinum - El Dorado County	El Dorado	—	$764,750
GSFA Platinum Grant - Sacramento County Specific	Sacramento	160% AMI	$764,750
City of Folsom Down Payment Assistance Program	Sacramento	120% AMI	$750,000
City of Inglewood First-Time Homebuyer Program	Los Angeles	80% AMI	$750,000
City of Richmond First-Time Homebuyer Program	Contra Costa	80% AMI	$750,000
City of San Luis Obispo BMR Homeownership Program	San Luis Obispo	120% AMI	$750,000
City of Simi Valley Affordable Homeownership Program	Ventura	120% AMI	$750,000
Placer County First-Time Homebuyer Loan Program	Placer	150% AMI	$750,000
San Luis Obispo County Down Payment Assistance Program	San Luis Obispo	120% AMI	$750,000
HCD CalHome Program (Direct State Allocation - Various Counties)	—	80% AMI	$726,200
Los Angeles County Mortgage Credit Certificate Program	Los Angeles	115% AMI	$726,200
Orange County Mortgage Credit Certificate Program	Orange	115% AMI	$726,200
San Diego County Mortgage Credit Certificate (MCC) Program	San Diego	115% AMI	$726,200
Ventura County Mortgage Credit Certificate Program	Ventura	115% AMI	$726,200
City of Antioch First-Time Homebuyer Assistance	Contra Costa	80% AMI	$700,000
City of Buena Park First-Time Homebuyer Assistance	Orange	80% AMI	$700,000
City of Chula Vista First-Time Homebuyer Program	San Diego	80% AMI	$700,000
City of Downey First-Time Homebuyer Program	Los Angeles	80% AMI	$700,000
City of Pittsburgh (Pittsburg) Homebuyer Assistance	Contra Costa	80% AMI	$700,000
City of Pomona First-Time Homebuyer Program	Los Angeles	80% AMI	$700,000
City of San Marcos First-Time Homebuyer Assistance	San Diego	80% AMI	$700,000
City of Whittier First-Time Homebuyer Assistance	Los Angeles	80% AMI	$700,000
GSFA Assist-to-Own - Riverside County Employees	Riverside	200% AMI	$690,000
GSFA Platinum Grant - Riverside County Specific	Riverside	160% AMI	$690,000
City of Azusa First-Time Homebuyer Program	Los Angeles	80% AMI	$650,000
City of Baldwin Park First-Time Homebuyer Program	Los Angeles	80% AMI	$650,000
City of Escondido First-Time Homebuyer Assistance	San Diego	80% AMI	$650,000
City of La Mesa First-Time Homebuyer Assistance	San Diego	80% AMI	$650,000
City of Montebello Homebuyer Assistance Program	Los Angeles	80% AMI	$650,000
City of National City First-Time Homebuyer Program	San Diego	80% AMI	$650,000
City of Salinas First-Time Homebuyer Assistance Program	Monterey	150% AMI	$650,000
City of Vacaville First-Time Homebuyer Program	Solano	80% AMI	$650,000
City of Vallejo PLHA Homebuyer Assistance	Solano	80% AMI	$650,000
City of Vista First-Time Homebuyer Program	San Diego	80% AMI	$650,000
GSFA Platinum Grant - San Bernardino County Specific	San Bernardino	160% AMI	$644,000
San Diego County DCCA (Downpayment and Closing Cost Assistance) Program	San Diego	80% AMI	$622,250
SDHC First-Time Homebuyer Middle-Income Program	San Diego	150% AMI	$622,250
SDHC H.O.P.E. Teacher Grant (San Diego & Poway USD)	San Diego	160% AMI	$622,250
City of Brentwood First Time Homebuyer Down Payment Assistance Program (DAP)	Contra Costa	—	$600,000
City of Elk Grove First-Time Homebuyer Assistance Program	Sacramento	80% AMI	$600,000
City of Lancaster First-Time Homebuyer Assistance	Los Angeles	80% AMI	$600,000
City of Ontario First-Time Homebuyer Program	San Bernardino	80% AMI	$600,000
City of Palmdale First-Time Homebuyer Program	Los Angeles	80% AMI	$600,000
City of Rancho Cucamonga Homebuyer Assistance Program	San Bernardino	80% AMI	$600,000
City of Roseville First-Time Homebuyer Program	Placer	80% AMI	$600,000
City of Woodland First-Time Homebuyer Assistance	Yolo	80% AMI	$600,000
Neighborhood Housing Services of the Inland Empire (NHSIE) PLHA DPA	San Bernardino	80% AMI	$600,000
Neighborhood Partnership Housing Services (NPHS) CalHome DPA	San Bernardino	120% AMI	$600,000
Nevada County First-Time Homebuyer Program	Nevada	80% AMI	$600,000
Springboard CDFI California Homebuyer Assistance	—	80% AMI	$600,000
Yolo County Down Payment Assistance Program	Yolo	80% AMI	$600,000
First Time Home Buyer Program (FTHB)	Los Angeles	80% AMI	$570,000
GSFA Platinum Grant - Fresno County Specific	Fresno	160% AMI	$569,250
City of Menifee Homebuyer Assistance Program	Riverside	80% AMI	$551,000
Amador County Homebuyer Assistance Program	Amador	80% AMI	$550,000
City of Clovis First-Time Homebuyer Program	Fresno	80% AMI	$550,000
City of Lake Elsinore Down Payment Assistance	Riverside	80% AMI	$550,000
City of Redlands First-Time Homebuyer Program	San Bernardino	80% AMI	$550,000
City of Riverside First-Time Homebuyer Program	Riverside	80% AMI	$550,000
GSFA Assist-to-Own - Calaveras County Employees	Calaveras	—	$541,287
GSFA Assist-to-Own - Kings County Employees	Kings	—	$541,287
GSFA Platinum - Alpine County	Alpine	—	$541,287
GSFA Platinum - Amador County	Amador	—	$541,287
GSFA Platinum - Colusa County	Colusa	—	$541,287
GSFA Platinum - Del Norte County	Del Norte	—	$541,287
GSFA Platinum - Glenn County	Glenn	—	$541,287
GSFA Platinum - Humboldt County	Humboldt	—	$541,287
GSFA Platinum - Lake County	Lake	—	$541,287
GSFA Platinum - Lassen County	Lassen	—	$541,287
GSFA Platinum - Mariposa County	Mariposa	—	$541,287
GSFA Platinum - Mendocino County	Mendocino	—	$541,287
GSFA Platinum - Modoc County	Modoc	—	$541,287
GSFA Platinum - Plumas County	Plumas	—	$541,287
GSFA Platinum - Sierra County	Sierra	—	$541,287
GSFA Platinum - Siskiyou County	Siskiyou	—	$541,287
GSFA Platinum - Sutter County	Sutter	—	$541,287
GSFA Platinum - Tehama County	Tehama	—	$541,287
GSFA Platinum - Trinity County	Trinity	—	$541,287
GSFA Platinum - Tuolumne County	Tuolumne	—	$541,287
GSFA Platinum - Yuba County	Yuba	—	$541,287
Affordable Homes Inland Empire (AHIE) DPA	San Bernardino	80% AMI	$500,000
City of Apple Valley Homebuyer Assistance Program	San Bernardino	80% AMI	$500,000
City of Chico First-Time Homebuyer Assistance Program	Butte	80% AMI	$500,000
City of Fresno Forgivable Deferred Payment Loan	Fresno	80% AMI	$500,000
City of Modesto Down Payment Assistance Program	Stanislaus	80% AMI	$500,000
City of Modesto First-Time Homebuyer Program	Stanislaus	80% AMI	$500,000
City of Perris Homebuyer Assistance Program	Riverside	80% AMI	$500,000
City of Redding PLHA Down Payment Assistance	Shasta	80% AMI	$500,000
City of Victorville First-Time Homebuyer Assistance	San Bernardino	80% AMI	$500,000
Fresno County Economic Opportunities Commission (EOC) DPA	Fresno	80% AMI	$500,000
San Joaquin County GAP Loan Program	San Joaquin	80% AMI	$500,000
Butte County HOME First-Time Homebuyer Assistance	Butte	80% AMI	$450,000
Central Valley Coalition for Affordable Housing DPA	San Joaquin	80% AMI	$450,000
City of Bakersfield First-Time Homebuyer Program (Direct City Program)	Kern	80% AMI	$450,000
City of Hemet Homebuyer Assistance Program	Riverside	80% AMI	$450,000
City of Turlock Homebuyer Assistance Program	Stanislaus	80% AMI	$450,000
City of Visalia Down Payment Assistance Program	Tulare	80% AMI	$450,000
Mariposa County CDBG First-Time Homebuyer Assistance	Mariposa	80% AMI	$450,000
Mendocino County HOME Program First-Time Homebuyer	Mendocino	80% AMI	$450,000
My Way Home CalHome Deferred Loan - Bakersfield/Kern	Kern	80% AMI	$450,000
My Way Home Hope to Home - Bakersfield City Program	Kern	80% AMI	$450,000
Self-Help Enterprises Homeownership Program (San Joaquin Valley)	—	80% AMI	$450,000
Shasta County Down Payment Assistance Program	Shasta	80% AMI	$450,000
Humboldt County First-Time Homebuyer Program	Humboldt	80% AMI	$409,000
California FarmLink Farmworker Homeownership Program	—	80% AMI	$400,000
City of Hanford First-Time Homebuyer Assistance	Kings	80% AMI	$400,000
City of Madera First-Time Homebuyer Program	Madera	80% AMI	$400,000
City of Merced First-Time Homebuyer Down Payment Assistance	Merced	80% AMI	$400,000
City of Porterville First-Time Homebuyer Program	Tulare	80% AMI	$400,000
Kings County First-Time Homebuyer Assistance	Kings	80% AMI	$400,000
Merced County HOME First-Time Homebuyer Program	Merced	80% AMI	$400,000
Tehama County HOME Program First-Time Homebuyer Assistance	Tehama	80% AMI	$400,000
Tulare County HOME Program Down Payment Assistance	Tulare	80% AMI	$400,000
Del Norte County CDBG Homebuyer Assistance	Del Norte	80% AMI	$350,000
Lake County First-Time Homebuyer Assistance	Lake	80% AMI	$350,000
City of Redding Silent Second Mortgage Homebuyer Program	Shasta	80% AMI	$231,088

All 180 price caps →

GSFA Platinum Grant - Santa Clara County Specific$1.2M
City of Mountain View First-Time Homebuyer Program$1.2M
City of South San Francisco Down Payment Assistance$1.2M
City of Sunnyvale First-Time Homebuyer Program$1.2M
Marin County First-Time Homebuyer Program$1.2M
GSFA Platinum Grant - Orange County Specific$1.1M
GSFA Assist-to-Own - San Diego County Employees$1.1M
GSFA Platinum Grant - San Diego County Specific$1.1M
AC Boost - Alameda County Down Payment Assistance$1.0M
City of Berkeley First-Time Homebuyer Down Payment Assistance$1.0M
City of Milpitas Below Market Rate Homebuyer Program$1.0M
City of Pleasanton First-Time Homebuyer Program$1.0M
City of Santa Barbara First-Time Homebuyer Program$1.0M
Los Angeles LIPA Program$973,750
Los Angeles MIPA (Moderate Income Purchase Assistance) Program$973,750
City of Rosemead Community Development Homeownership Assistance Program$916,750
City of Hayward First-Time Homebuyer Program$900,000
City of Livermore First-Time Homebuyer Assistance$900,000
City of San Leandro Down Payment Assistance$900,000
City of Walnut Creek First-Time Homebuyer Program$900,000
Housing Trust Fund Santa Barbara North County Workforce Homebuyer Program$900,000
Housing Trust Fund Santa Barbara Workforce Homebuyer Program (South County)$900,000
GSFA Platinum Grant - Ventura County Specific$873,000
City of Burbank First-Time Homebuyer Program$850,000
City of Glendale Homebuyer Assistance Program$850,000
City of Oakland First-Time Homebuyer Program$850,000
City of Pasadena First Time Homebuyer Program (HOP)$850,000
Home Ownership Program (HOP120)$850,000
NACA Purchase Program - California$822,375
City of Concord First-Time Homebuyer Program$800,000
City of Long Beach First-Generation Homebuyer Grant$800,000
City of Norwalk First-Time Homebuyer Program$800,000
City of Oxnard Down Payment Assistance Program (PLHA)$800,000
City of Oxnard First-Time Homebuyer Program (Separate from VCCDC)$800,000
City of Oxnard Homebuyer Assistance Program$800,000
City of Oxnard Homebuyer Program (County Expansion)$800,000
City of Petaluma First-Time Homebuyer Assistance$800,000
City of Thousand Oaks First-Time Homebuyer Assistance$800,000
LA County LACDA Home Ownership Program (HOP)$800,000
Napa County Housing Authority Down Payment Assistance$800,000
VCCDC DPA - City of Camarillo$800,000
GSFA Platinum - Mono County$776,250
City of Anaheim First-Time Homebuyer Program$766,000
City of Santa Ana My First Home Program$766,000
Orange County Mortgage Assistance Program (MAP)$765,960
CalHFA CalPLUS Conventional + ZIP Combined Program$765,000
CalHFA CalPLUS FHA + ZIP Combined Program$765,000
CalHFA Dream For All Shared Appreciation Loan$765,000
CalHFA Forgivable Equity Builder Loan (FEBL)$765,000
CalHFA Mortgage Credit Certificate (MCC) Program$765,000
CalHFA MyAccess Assistance Program$765,000
CalHFA MyHome Assistance Program$765,000
CalHFA School Teacher and Employee Assistance Program (STEAP)$765,000
CalHFA VA Loan Program with MyHome$765,000
CalHFA ZIP Program$765,000
City of Napa Down Payment Assistance Program$764,750
GSFA Assist-to-Own - Placer County Employees$764,750
GSFA Assist-to-Own - Sacramento County Employees$764,750
GSFA Platinum - El Dorado County$764,750
GSFA Platinum Grant - Sacramento County Specific$764,750
City of Folsom Down Payment Assistance Program$750,000
City of Inglewood First-Time Homebuyer Program$750,000
City of Richmond First-Time Homebuyer Program$750,000
City of San Luis Obispo BMR Homeownership Program$750,000
City of Simi Valley Affordable Homeownership Program$750,000
Placer County First-Time Homebuyer Loan Program$750,000
San Luis Obispo County Down Payment Assistance Program$750,000
HCD CalHome Program (Direct State Allocation - Various Counties)$726,200
Los Angeles County Mortgage Credit Certificate Program$726,200
Orange County Mortgage Credit Certificate Program$726,200
San Diego County Mortgage Credit Certificate (MCC) Program$726,200
Ventura County Mortgage Credit Certificate Program$726,200
City of Antioch First-Time Homebuyer Assistance$700,000
City of Buena Park First-Time Homebuyer Assistance$700,000
City of Chula Vista First-Time Homebuyer Program$700,000
City of Downey First-Time Homebuyer Program$700,000
City of Pittsburgh (Pittsburg) Homebuyer Assistance$700,000
City of Pomona First-Time Homebuyer Program$700,000
City of San Marcos First-Time Homebuyer Assistance$700,000
City of Whittier First-Time Homebuyer Assistance$700,000
GSFA Assist-to-Own - Riverside County Employees$690,000
GSFA Platinum Grant - Riverside County Specific$690,000
City of Azusa First-Time Homebuyer Program$650,000
City of Baldwin Park First-Time Homebuyer Program$650,000
City of Escondido First-Time Homebuyer Assistance$650,000
City of La Mesa First-Time Homebuyer Assistance$650,000
City of Montebello Homebuyer Assistance Program$650,000
City of National City First-Time Homebuyer Program$650,000
City of Salinas First-Time Homebuyer Assistance Program$650,000
City of Vacaville First-Time Homebuyer Program$650,000
City of Vallejo PLHA Homebuyer Assistance$650,000
City of Vista First-Time Homebuyer Program$650,000
GSFA Platinum Grant - San Bernardino County Specific$644,000
San Diego County DCCA (Downpayment and Closing Cost Assistance) Program$622,250
SDHC First-Time Homebuyer Middle-Income Program$622,250
SDHC H.O.P.E. Teacher Grant (San Diego & Poway USD)$622,250
City of Brentwood First Time Homebuyer Down Payment Assistance Program (DAP)$600,000
City of Elk Grove First-Time Homebuyer Assistance Program$600,000
City of Lancaster First-Time Homebuyer Assistance$600,000
City of Ontario First-Time Homebuyer Program$600,000
City of Palmdale First-Time Homebuyer Program$600,000
City of Rancho Cucamonga Homebuyer Assistance Program$600,000
City of Roseville First-Time Homebuyer Program$600,000
City of Woodland First-Time Homebuyer Assistance$600,000
Neighborhood Housing Services of the Inland Empire (NHSIE) PLHA DPA$600,000
Neighborhood Partnership Housing Services (NPHS) CalHome DPA$600,000
Nevada County First-Time Homebuyer Program$600,000
Springboard CDFI California Homebuyer Assistance$600,000
Yolo County Down Payment Assistance Program$600,000
First Time Home Buyer Program (FTHB)$570,000
GSFA Platinum Grant - Fresno County Specific$569,250
City of Menifee Homebuyer Assistance Program$551,000
Amador County Homebuyer Assistance Program$550,000
City of Clovis First-Time Homebuyer Program$550,000
City of Lake Elsinore Down Payment Assistance$550,000
City of Redlands First-Time Homebuyer Program$550,000
City of Riverside First-Time Homebuyer Program$550,000
GSFA Assist-to-Own - Calaveras County Employees$541,287
GSFA Assist-to-Own - Kings County Employees$541,287
GSFA Platinum - Alpine County$541,287
GSFA Platinum - Amador County$541,287
GSFA Platinum - Colusa County$541,287
GSFA Platinum - Del Norte County$541,287
GSFA Platinum - Glenn County$541,287
GSFA Platinum - Humboldt County$541,287
GSFA Platinum - Lake County$541,287
GSFA Platinum - Lassen County$541,287
GSFA Platinum - Mariposa County$541,287
GSFA Platinum - Mendocino County$541,287
GSFA Platinum - Modoc County$541,287
GSFA Platinum - Plumas County$541,287
GSFA Platinum - Sierra County$541,287
GSFA Platinum - Siskiyou County$541,287
GSFA Platinum - Sutter County$541,287
GSFA Platinum - Tehama County$541,287
GSFA Platinum - Trinity County$541,287
GSFA Platinum - Tuolumne County$541,287
GSFA Platinum - Yuba County$541,287
Affordable Homes Inland Empire (AHIE) DPA$500,000
City of Apple Valley Homebuyer Assistance Program$500,000
City of Chico First-Time Homebuyer Assistance Program$500,000
City of Fresno Forgivable Deferred Payment Loan$500,000
City of Modesto Down Payment Assistance Program$500,000
City of Modesto First-Time Homebuyer Program$500,000
City of Perris Homebuyer Assistance Program$500,000
City of Redding PLHA Down Payment Assistance$500,000
City of Victorville First-Time Homebuyer Assistance$500,000
Fresno County Economic Opportunities Commission (EOC) DPA$500,000
San Joaquin County GAP Loan Program$500,000
Butte County HOME First-Time Homebuyer Assistance$450,000
Central Valley Coalition for Affordable Housing DPA$450,000
City of Bakersfield First-Time Homebuyer Program (Direct City Program)$450,000
City of Hemet Homebuyer Assistance Program$450,000
City of Turlock Homebuyer Assistance Program$450,000
City of Visalia Down Payment Assistance Program$450,000
Mariposa County CDBG First-Time Homebuyer Assistance$450,000
Mendocino County HOME Program First-Time Homebuyer$450,000
My Way Home CalHome Deferred Loan - Bakersfield/Kern$450,000
My Way Home Hope to Home - Bakersfield City Program$450,000
Self-Help Enterprises Homeownership Program (San Joaquin Valley)$450,000
Shasta County Down Payment Assistance Program$450,000
Humboldt County First-Time Homebuyer Program$409,000
California FarmLink Farmworker Homeownership Program$400,000
City of Hanford First-Time Homebuyer Assistance$400,000
City of Madera First-Time Homebuyer Program$400,000
City of Merced First-Time Homebuyer Down Payment Assistance$400,000
City of Porterville First-Time Homebuyer Program$400,000
Kings County First-Time Homebuyer Assistance$400,000
Merced County HOME First-Time Homebuyer Program$400,000
Tehama County HOME Program First-Time Homebuyer Assistance$400,000
Tulare County HOME Program Down Payment Assistance$400,000
Del Norte County CDBG Homebuyer Assistance$350,000
Lake County First-Time Homebuyer Assistance$350,000
City of Redding Silent Second Mortgage Homebuyer Program$231,088

Sorted by cap. Caps as published by each agency, Hey Prescott program records, verified June–August 2026.

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95 HUD-approved counseling agencies in California95 HUD-approved housing counseling agencies in California

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Keep exploring California

California programs320 programsBack to California →All 58 countiesLocal programs and mediansSee counties →112 cities with a programalameda, contra costa, marin, napa, san francisco, san mateo, santa clara, solano, sonoma, anaheim, antioch and moreSee cities →How income limits workCounted across every stateRead it →

Questions, answered

What are the income limits for down payment assistance in California?

317 down payment assistance programs in California publish an income limit, a purchase price cap, or both. 264 express the limit as a share of the area median income for the county where the home is, and 66 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a share of area median income, which HUD publishes per county and revises annually. A program with one published share therefore admits a different dollar figure in each county, and the program adjusts that figure for household size in its own table.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

Sources

U.S. Department of Housing and Urban Development, FY2026 Income Limits: median family income, four-person household, by county. HUD’s own household-size tables →
Program limits and price caps: each administering agency, as recorded by Hey Prescott, verified June–August 2026.
HUD-approved housing counseling agencies: HUD agency list.