🏡 California • Down Payment Assistance • Shared Appreciation
Dream For All — California Down Payment Assistance
Dream For All is a state-run down payment assistance program through CalHFA that can provide up to 20% of the purchase price toward the down payment for eligible California homebuyers (via a shared appreciation loan).
✅ Up to 20% assistance
✅ No monthly payments on the assistance
✅ Repay when you sell / refinance / pay off
✅ Lottery selection (not first-come)
Upcoming application lottery: February 2026 (limited vouchers available).
Applications are not first-come, first-served — selection is random. (Timing and availability are subject to change.)
What is Dream For All?
High-level overview based on program messaging:
- Provides up to 20% of the home price toward the down payment.
- No monthly payments on the assistance.
- Repayment occurs only when you sell, refinance, or pay off the home.
- Selection is made through a state-run lottery.
Who may qualify?
- Are a first-time homebuyer
- Qualify as a first-generation homebuyer
- Meet CalHFA income limits
- Work with a CalHFA-approved lender
For official updates, rules, and the current status of the program, always refer to CalHFA’s Dream For All page: calhfa.ca.gov/dream
How to prepare now
1
Talk with a CalHFA-approved lender
We’ll confirm fit, run a pre-approval strategy, and outline next steps.
2
Gather required documents
ID, income, and household info (so you’re ready when the window opens).
3
Be ready during the lottery window
Because it’s not first-come, being prepared matters more than speed.
Get a quick readiness plan
If Dream For All isn’t available or isn’t the best fit, I’ll still map a practical Plan B for low-down-payment options.
Educational page. Program guidelines, terms, funding windows, and eligibility may change.
All loans subject to underwriting and approval.
