The CDCLI Funding Corporation is a home equity loan from CDCLI Funding Corporation. The ongoing APR is Interest rates vary between 4% or 6%, based on household income in relation to the Area Median Income (AMI). Typical credit limit: Finance the cost of repairs up to $25,000. Loan terms: Loans are for a period of 15 years and can be paid off in advance with no prepayment penalty.