CalHFA Dream For All Shared Appreciation Loan

California Housing Finance Agency (CalHFA)

Waitlist Down Payment

About This Program

Provides down payment assistance equal to 20% of the purchase price for first-time homebuyers in California. Loan is repaid when the home is sold, refinanced, or transferred, with shared appreciation. Check CalHFA website for program status.

Assistance covers 20% down payment, shared appreciation upon sale

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

Key Details

  • 20% down payment assistance for first-time buyers
  • Shared appreciation loan, repaid at sale
  • Must occupy home as primary residence
  • Income and purchase price limits apply
  • Program currently paused, 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 Rancho Cordova, 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: Applications paused, check website for reopening

Questions about this program?

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