CalHFA Dream For All Shared Appreciation Loan

California Housing Finance Agency

Waitlist Down Payment

About This Program

Down payment assistance program providing up to 20% of the purchase price as a shared appreciation loan for first-time homebuyers in California. No monthly payment; repaid when home is sold or refinanced.

Loan is 20% of purchase price; estimate based on $600,000 median home

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Up to 20% down payment assistance
  • No monthly payment on assistance loan
  • Repaid when home is sold or refinanced
  • For first-time homebuyers
  • Program currently on waitlist

How to Apply

Get free help applying Visit Official Program Page Track this program

(877) 922-5432

A grant-savvy contractor in Colma, CA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Program currently paused; check for reopening

Questions about this program?

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