📊 Pre-Eligibility & Assistance Calculator
Test your estimated eligibility against Sacramento County's 80% Area Median Income (AMI) guidelines and calculate your maximum program loan amount in real-time.
Maximum program purchase price cap: $539,500
ℹ️ Key Program Guidelines & Features
- ⭐ Up to $59,650 Assistance: Provides up to 20% of purchase price (capped at $59,650) for down payment and eligible closing costs.
- ⭐ 0% Deferred Payment Loan: No monthly payments required for 30 years. Repayment deferred until sale, property transfer, cash-out refinance, or owner departure.
- ⭐ First-Time Homebuyer Rule: Must not have held ownership interest in a primary residence during the past 3 years.
- ⭐ Eligible Locations: Single-family residences, condos, or townhomes located within official Elk Grove city limits.
- ⭐ Minimum Credit Score: Minimum 650 credit score required for all buyers appearing on title.
- ⭐ Education Requirement: Mandatory completion of an 8-hour HUD-approved homebuyer education course (such as NeighborWorks Sacramento).
📈 2026 Household Income Limits (80% AMI)
Gross annual household income across all adult occupants cannot exceed the following limits for Sacramento County:
| Household Size | Max Gross Annual Income |
|---|---|
| 1 Person | $73,600 |
| 2 Persons | $84,100 |
| 3 Persons | $94,600 |
| 4 Persons | $105,100 |
| 5 Persons | $113,550 |
| 6 Persons | $121,950 |
| 7 Persons | $130,350 |
| 8 Persons | $138,750 |