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Section 3



  Homeownership & Home Repair First-time homebuyers and veterans


> Non Cash Assistance Loan (Non CAL)


bulletProvides lower interest rate to first-time homebuyers who do not need down payment and closing costs assistance.



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First Place
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Need more information? Call Toll Free 800-246-7973


Non CAL details:


bulletQualified first-time homebuyers are eligible for lower interest rates than those who use the CAL program.
bulletThese rates will result in a lower monthly payment.
bulletThis program does not provide down payment and/or closing cost assistance.
bulletNo junk fees are allowed. The lender may charge standard closing costs.




Purchase Price Limits

Type of Home

Non-Target Area

Target Area*

Single family home






Note:  These limits are subject to change in accordance with regulations.

*Target Area:  click here


Income Limits


Income Limits

Non Cash Assistance Loan Program

click here

Additional Income Guideline Information

The total gross annual household income for all residents living, or intending to live, in the home, age 18 or older, must be within the limits established for household income.

Total gross annual household income is calculated using all sources of income including, but not limited to, wages, overtime, bonuses, child support, alimony, commissions and earnings from a second job, business and investments.



More Details






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