diff --git a/sdk/cliproxy/auth/home_concurrency.go b/sdk/cliproxy/auth/home_concurrency.go
index c9e17fe9..1fd48674 100644
--- a/sdk/cliproxy/auth/home_concurrency.go
+++ b/sdk/cliproxy/auth/home_concurrency.go
@@ -253,6 +253,10 @@ func decodeHomeDispatchError(raw []byte) error {
 	case "credential_concurrency_exceeded", "credential_model_concurrency_exceeded":
 		result.HTTPStatus = http.StatusTooManyRequests
 		return newHomeConcurrencyBusyError(result, time.Duration(detail.RetryAfterMS)*time.Millisecond)
+	case "user_credits_insufficient":
+		result.HTTPStatus = http.StatusPaymentRequired
+	case "user_period_limit_exceeded":
+		result.HTTPStatus = http.StatusTooManyRequests
 	case "auth_not_found", "auth_unavailable", "refresh_temporarily_unavailable", "home_unavailable",
 		"concurrency_protocol_required", "concurrency_tracker_unavailable", "concurrency_node_unavailable":
 		result.HTTPStatus = http.StatusServiceUnavailable
diff --git a/sdk/cliproxy/auth/home_concurrency_test.go b/sdk/cliproxy/auth/home_concurrency_test.go
index 7408fe6b..da26ab18 100644
--- a/sdk/cliproxy/auth/home_concurrency_test.go
+++ b/sdk/cliproxy/auth/home_concurrency_test.go
@@ -396,6 +396,25 @@ func TestHomeNoCandidateErrorsMapToServiceUnavailable(t *testing.T) {
 	}
 }
 
+func TestHomeUserBillingAndPeriodLimitErrors(t *testing.T) {
+	tests := []struct {
+		code       string
+		wantStatus int
+	}{
+		{code: "user_credits_insufficient", wantStatus: http.StatusPaymentRequired},
+		{code: "user_period_limit_exceeded", wantStatus: http.StatusTooManyRequests},
+	}
+	for _, tt := range tests {
+		t.Run(tt.code, func(t *testing.T) {
+			errDispatch := decodeHomeDispatchError([]byte(fmt.Sprintf(`{"error":{"type":%q,"message":"limit hit"}}`, tt.code)))
+			var authErr *Error
+			if !errors.As(errDispatch, &authErr) || authErr.Code != tt.code || authErr.HTTPStatus != tt.wantStatus {
+				t.Fatalf("decodeHomeDispatchError(%s) = %#v, want %d", tt.code, errDispatch, tt.wantStatus)
+			}
+		})
+	}
+}
+
 func TestHomeConcurrencyTupleAuthMismatchEndsScope(t *testing.T) {
 	dispatcher := &fixtureHomeDispatcher{payload: []byte(`{"concurrency":{"accounted":true,"credential_id":"cred-1","model":"gpt"},"auth_index":"other","auth":{"id":"cred-1","provider":"codex"}}`)}
 	manager := newHomeSelectionTestManager(t, dispatcher)