CalHFA Dream For All Shared Appreciation Loan

California Housing Finance Agency

Waitlist Down Payment

About This Program

Provides 20% of home purchase price as down payment assistance for first-time homebuyers. Loan is repaid when home is sold, refinanced, or transferred, plus a share of home appreciation.

20% of purchase price as shared appreciation loan

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

Key Details

  • 20% down payment assistance loan
  • First-time homebuyers only
  • Income limits apply by county
  • Repaid when home is sold plus shared appreciation
  • Currently waitlisted, check for reopening

How to Apply

Get free help applying Visit Official Program Page Track this program

(877) 922-5432

A grant-savvy contractor in Fortuna, 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 CalHFA for reopening

Questions about this program?

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