Do I have to be a first-time buyer for SHRA PLHA First-Time Homebuyer Mortgage Assistance?

Yes. The program lists a first-time buyer requirement.

Is there an income limit?

Yes. The listed income limit is 80% AMI.

What credit score does SHRA PLHA First-Time Homebuyer Mortgage Assistance list?

The listed minimum credit score is 640.

SHRA PLHA First-Time Homebuyer Mortgage Assistance

SHRA PLHA First-Time Homebuyer Mortgage Assistance is a 30-year deferred silent second (plha-funded) from Sacramento Housing & Redevelopment Agency. Serves Sacramento. Up to $50,000 or Up to 20% toward a home purchase. For first-time buyers. Income limit: 80% AMI.

Up to $50,000 or Up to 20%

Listed as open as of April 10, 2026

Serves Sacramento.

First-time buyer	Required
Income limit	80% AMI
Minimum credit score	640
Homebuyer education	Required
Repayment	1% int.; 30-yr; deferred; due on sale/refinance/transfer/term_end
Stacking	Stacks: calhfa-myhome, calhfa-zip
Notes	PLHA = Permanent Local Housing Allocation (CA state source). Sacramento's primary active DPA in 2026 (replaces older CalHome program). Excludes Citrus Heights, Elk Grove, Galt, Folsom, Rancho Cordova, Isleton.

Source Sacramento Housing & Redevelopment Agency·official program page·Listed April 10, 2026

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

Provider: Sacramento Housing & Redevelopment Agency · program details at the provider’s site.

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