California Dream For All Shared Appreciation Loan

California Housing Finance Agency

Waitlist Down Payment

About This Program

Provides down payment assistance equal to 20% of purchase price for first-time homebuyers in Cotati. Shared appreciation loan is repaid when home is sold, refinanced, or title transfers. Income limits apply.

Loan amount equals 20% of purchase price, repaid when home sells

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

Key Details

  • 20% down payment assistance for first-time buyers
  • Income at or below county median
  • Shared appreciation loan repaid at sale
  • Can combine with FHA, VA, conventional loans
  • Currently waitlisted, funds exhausted quickly

How to Apply

A grant-savvy contractor in Cotati, 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).

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: Currently waitlisted, check for reopening

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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