Is there an income limit?

Yes. The listed income limit is GSFA published limits.

What credit score does GSFA Golden Opportunities Program list?

The listed minimum credit score is 620.

GSFA Golden Opportunities Program

GSFA Golden Opportunities Program is a amortizing second mortgage + optional gift from Golden State Finance Authority (GSFA). Available statewide in California. Income limit: GSFA published limits.

Amount varies by program

Listed as open as of May 26, 2026

Available statewide in California.

Income limit	GSFA published limits
Minimum credit score	620
Homebuyer education	Required
Sales price cap	Per first loan
Amount notes	Up to 5.5%-7% of first loan amount
Notes	Lower credit floor than Platinum.
Phone	855-740-8422

Source Golden State Finance Authority (GSFA)·official program page·Listed May 26, 2026

Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: Golden State Finance Authority (GSFA) · program details at the provider’s site.

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