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 $59,920 $83,260 $104,860
Allen $50,960 $83,260 $89,180
Ascension $70,480 $102,235 $123,340
Assumption $70,480 $83,260 $123,340
Avoyelles $45,280 $83,260 $79,240
Beauregard $58,000 $83,375 $101,500
Bienville $45,280 $83,260 $79,240
Bossier $52,400 $83,260 $91,700
Caddo $52,400 $83,260 $91,700
Calcasieu $60,000 $86,250 $105,000
Caldwell $45,280 $83,260 $91,700
Cameron $60,000 $86,250 $105,000
Catahoula $53,040 $83,260 $92,820
Claiborne $45,280 $83,260 $79,240
Concordia $45,280 $83,260 $79,240
DeSoto $52,400 $83,260 $91,700
East Baton Rouge $70,480 $102,235 $123,340
East Carroll $45,280 $83,260 $79,240
East Feliciana $70,480 $91,195 $123,340
Evangeline $45,280 $83,260 $79,240
Franklin $45,280 $83,260 $79,240
Grant $51,040 $83,260 $89,320
Iberia $59,920 $83,260 $104,860
Iberville $70,480 $102,235 $123,340
Jackson $45,760 $83,260 $80,080
Jefferson $53,600 $94,185 $93,800
Jefferson Davis $65,440 $83,260 $114,520
Lafayette $59,920 $97,060 $104,860
Lafourche $55,520 $83,260 $97,160
Lasalle $45,840 $83,260 $80,220
Lincoln $48,800 $83,260 $85,400
Livingston $70,480 $102,235 $123,340
Madison $45,280 $83,260 $79,240
Morehouse $45,280 $83,260 $79,240
Natchitoches $45,280 $83,260 $79,240
Ouachita $45,280 $83,260 $79,240
Pointe Coupee $70,480 $102,235 $123,340
Rapides $51,040 $83,260 $89,320
Red River $45,280 $83,260 $79,240
Richland $45,280 $83,260 $79,240
Sabine $46,400 $83,260 $81,200
St. Bernard $66,440 $94,185 $114,520
St. Charles $65,440 $94,185 $114,520
St. Helena $70,480 $102,235 $123,340
St. James $65,440 $83,605 $114,520
St. John $65,440 $94,185 $114,520
St. Landry $45,280 $83,260 $79,240
St. Martin $59,920 $97,060 $104,860
St. Mary $45,280 $83,260 $79,240
St. Tammany $65,440 $94,185 $114,520
Tangipahoa $55,760 $83,260 $97,580
Tensas $45,280 $83,260 $79,240
Terrebonne $55,520 $83,260 $97,160
Union $45,280 $83,260 $79,240
Vermillion $59,920 $83,260 $104,860
Vernon $52,800 $83,260 $92,400
Washington $45,280 $83,260 $79,240
Webster $45,280 $83,260 $79,240
West Baton Rouge $70,480 $102,235 $123,240
West Carroll $45,280 $83,260 $79,240
West Feliciana $70,480 $102,235 $123,240
Winn $45,280 $83,260 $79,240