California Dream For All Shared Appreciation Loan

California Housing Finance Agency (CalHFA)

Limited Down Payment

About This Program

The California Dream For All program offers first-generation, first-time homebuyers up to 20% of the purchase price (max $150,000) as a shared appreciation loan for down payment. Repayment includes the original amount plus a share of appreciation. Demand far exceeds funding, so applicants enter a randomized lottery.

Repayment includes original amount plus 15-20% of appreciation at sale

Key Details

  • Up to 20% of purchase price, max $150,000 for down payment
  • No monthly payments, repaid at sale with share of appreciation
  • Must be first-generation, first-time homebuyer
  • Lottery-based, demand far exceeds funding each round
  • Call CalHFA at (877) 922-5432 for next lottery date

How to Apply

Visit Official Program Page Track this program

877-922-5432

Deadline: Lottery-based, check calhfa.ca.gov/dream for next round

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