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CAFA Gold 100SM

The Capital Area Finance Authority (CAFA) is a Housing Finance Agency (HFA) with authorization to offer homebuyer assistance programs to qualified homebuyers for the purchase of homes to participating parishes.

Program Highlights:

  • No first-time homebuyer requirement; no need for tax returns
  • No federal recapture tax provision
  • Income limits based on qualifying income only, by Parish regardless of family size1
  • No need to calculate “Household Income”2
  • No need for a pre-close compliance review

Program Guidelines

ELIGIBLE FIRST MORTGAGE LOANS:

  • Fixed rate purchase loans
  • Government First Mortgage Loans insured by FHA or guaranteed by VA or USDA
  • Freddie Mac’s HFA Advantage–LP

PROPERTY TYPES:

  • FHA/VA/USDA: 1-4 unit primary residence
  • HFA Advantage: 1-unit primary residence
  • PUDs
  • Condominiums & Townhomes
  • Manufactured homes not allowed

 


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LENDING IN ALL STATES EXCEPT: KANSAS, MARYLAND, NEW JERSEY, AND NEW YORK

Information stated above is subject to change without notice. All applications are subject to underwriting guidelines and approval. This does not constitute an offer to lend or offer an extension of credit. All loans are subject to credit approval. Not all applicants will qualify for all products offered. All loan programs, terms and interest rates are subject to change without notice and may only be available in select markets.

1Income limits and family size will be calculated for USDA loans.

2Household income for USDA loans will be calculated. All applications are subject to underwriting guidelines and approval. This does not constitute an offer to lend or offer an extension of credit. All loans are subject to credit approval. Not all applicants will qualify for all products offered. All loan programs, terms and interest rates are subject to change without notice and may only be available in select markets.

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