Credit scores (also known as FICO [Fair Isaac COrporation] scores) are generally indicative of a borrower's likelihood to stay current on debts. Our minimum is currently 640-680, depending on the debt-to-income ratio in the loan application and which loan program you choose.

For more details on eligible FICO scores, please work with a CalHFA-approved lender. You can find a list of our Preferred Loan Officers here: