CalHFA Dream For All Shared Appreciation Loan

California Housing Finance Agency

Waitlist Down Payment

About This Program

Provides down payment assistance equal to 20% of the purchase price for first-time homebuyers in California. This is a shared appreciation loan with no monthly payment, repaid when the home is sold, refinanced, or transferred.

Assumes 20% of median home value as down payment assistance

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

Key Details

  • 20% of purchase price as down payment assistance
  • For first-time homebuyers
  • No monthly payment required
  • Shared appreciation upon sale
  • 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 Selma, 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: Check CalHFA website 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

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

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