CalHFA Dream For All Shared Appreciation Loan

California Housing Finance Agency

Waitlist Down Payment

About This Program

Provides down payment assistance as a shared appreciation loan for first-time homebuyers in California. The loan is repaid when the home is sold, refinanced, or transferred, with CalHFA sharing in the appreciation.

Estimate based on 20% of median home value in Rancho Santa Margarita

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

Key Details

  • Shared appreciation loan for down payment
  • Up to 20% of purchase price or $150,000
  • For first-time homebuyers statewide
  • Repaid when home is sold or refinanced
  • 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 Rancho Santa Margarita, 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 suspended, check for reopening

Questions about this program?

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