§ 51177 Low-Income Housing Loans

Health and Safety Code·California

AI SummaryVerified

Key Takeaways

•The government can give loans to build or buy homes to people who don't make a lot of money.
•To get this loan, your family's income must be less than 65% of what most families in your area make.
•The income limit is based on a family of four, but it can change a little if your family is bigger or smaller.
•You don't need a bank or a special lender to get this loan.

Example

A family of three wants to buy a house in a town where most families make $80,000 a year.

The family can get a loan from the government if they make less than $43,200 a year (which is 65% of $66,461, the adjusted amount for a family of three). They don't need to go through a bank.

AI-generated — May contain errors. Not legal advice. Always verify source.

Official Source

View on CA.gov

§ 51177 Low-Income Housing Loans

The agency may make and undertake commitments to make construction loans and mortgage loans to finance residential structures without the participation of a qualified mortgage lender where the income of the owner-occupant is no greater than 65 percent of the median income for the area in which the residential structure is located as determined by the United States Department of Housing and Urban Development or by the agency’s reference to current data of the U.S. Census Bureau. The income at 65 percent of median shall be based on a family of four with adjustments above and below such maximum to compensate for family size. (Amended by Stats. 1982, Ch. 1452, Sec. 13. Effective September 27, 1982. Operative January 1, 1983, by Sec. 16 of Ch. 1452.)

Last verified: January 24, 2026

Key Terms

mortgage urban development census bureau the california housing finance agency united states department effective september operative january

References

Official text at leginfo.legislature.ca.gov
California Legislature. Health and Safety Code. Section 51177.

§ 51177 Low-Income Housing Loans

Health and Safety Code·California

AI SummaryVerified

§ 51177 Low-Income Housing Loans

Key Takeaways

•The government can give loans to build or buy homes to people who don't make a lot of money.
•To get this loan, your family's income must be less than 65% of what most families in your area make.
•The income limit is based on a family of four, but it can change a little if your family is bigger or smaller.
•You don't need a bank or a special lender to get this loan.

Example

A family of three wants to buy a house in a town where most families make $80,000 a year.

The family can get a loan from the government if they make less than $43,200 a year (which is 65% of $66,461, the adjusted amount for a family of three). They don't need to go through a bank.

AI-generated — May contain errors. Not legal advice. Always verify source.

Official Source

View on CA.gov

§ 51177 Low-Income Housing Loans

Last verified: January 24, 2026

Key Terms

mortgage urban development census bureau the california housing finance agency united states department effective september operative january

References

Official text at leginfo.legislature.ca.gov
California Legislature. Health and Safety Code. Section 51177.

Key Takeaways

Example

Key Terms

Related Statutes

References

Key Takeaways

Example

Key Terms

Related Statutes

References