CAFA Gold 100

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The program offers 30-year fixed-rate FHA, VA, USDA, and Freddie Mac’s HFA AdvantageSM mortgage loans with financial assistance, silent second loans up to 100% for down payment or closing costs. No federal recapture tax provision

Second loans are 7 or 10-year terms with principal deferred, no accrued interest, and provides up to 7% of the final first mortgage loan amount. Repayment obligation is forgiven in equal monthly increments and will be 100% forgiven at maturity of the note. The 7-year term proration begins after year 2, and the 10-year term proration begins after year 5.

Map of Parishes Participating in CAFA Gold 100
Participating Parishes
Parishes NOT Approved with CAFA

Program Highlights

  • Quicker closing (UW is done in-house)

  • No additional bond or compliance packages required

  • Qualifying income NOT Household income used to qualify

  • Up to 7% Down Payment Assistance

  • No QM restrictions

  • Higher DTI (NO Ratio) and NO loan level pricing adjustments

Lenders that are approved for CAFA Gold 100 currently, can find additional resources and program guidelines here.

CAFA Gold 100 Income Limits By Parish

Parish Conventional Income Limits for All Borrowers 80% and below AMI FHA, VA, USDA Income Limit for all Borrowers Conventional Income Limits for All Borrowers 80% and above AMI
Acadia $50,240 $73,945 $77,420
Allen $46,560 $73,945 $81,480
Ascension $62,000 $90,275 $109,900
Assumption $51,760 $74,405 $90,580
Avoyelles $42,000 $73,945 $73,500
Beauregard $52,560 $75,555 $91,980
Bienville $40,080 $73,945 $66,780
Bossier $43,520 $73,945 $79,380
Caddo $43,520 $73,945 $79,380
Calcasieu $56,640 $81,420 $99,120
Cameron $56,640 $81,420 $99,120
Catahoula $58,100 $73,945 $81,340
Concordia $50,100 $73,945 $70,140
DeSoto $43,520 $73,945 $79,380
East Baton Rouge $62,000 $90,275 $109,900
East Carroll $40,080 $73,945 $41,580
East Feliciana $62,000 $90,275 $109,900
Evangeline $40,080 $73,945 $61,600
Franklin $40,080 $73,945 $70,140
Iberia $50,240 $73,945 $76,720
Iberville $62,000 $90,275 $109,900
Jackson $40,720 $73,945 $71,260
Jefferson $56,320 $80,960 $98,560
Jefferson Davis $45,920 $73,945 $80,360
Lafayette $50,240 $74,980 $91,280
Lafourche $53,760 $77,280 $94,080
Livingston $62,000 $90,275 $109,900
Madison $40,080 $73,945 $53,620
Morehouse $35,120 $73,945 $61,460
Ouachita $45,360 $73,945 $79,380
Pointe Coupee $62,000 $90,275 $109,900
Red River $42,720 $73,945 $74,760
St. Bernard $56,320 $80,960 $98,560
St. Helena $62,000 $90,275 $109,900
St. James $56,320 $77,395 $94,220
St. Landry $40,080 $73,945 $61,320
St. Martin $50,210 $74,980 $91,280
St. Mary $43,360 $73,945 $75,880
St. Tammany $56,320 $80,960 $98,560
Tangipahoa $50,400 $73,945 $75,740
Terrebonne $53,760 $73,945 $94,080
Union $45,360 $73,945 $79,380
Vermillion $50,240 $73,945 $87,920
Washington $40,080 $73,945 $65,100
West Baton Rouge $62,000 $90,275 $109,900
West Carroll $52,600 $73,945 $73,640
West Feliciana $62,000 $90,275 $109,900