This program will be available on Monday, March 27, 2023.

The 2022-23 State Budget established the Dream For All Program that allocated funds to CalHFA to administer the program, with broad parameters and some specific requirements. Home equity has proven to be one of the strongest ways for families to build and pass on intergenerational wealth and CalHFA is committed to improving equitable access to homeownership for all Californians.

The Dream For All Shared Appreciation Loan (Shared Appreciation Loan) is a down payment assistance program for first-time homebuyers to be used in conjunction with the Dream For All Conventional first mortgage for the down payment and/or closing costs.

Program Highlights: Required First Mortgage: Dream For All Conventional First Mortgage Dream For All Shared Appreciation Loan amount Up to 20% of the sales price or appraised value (whichever is less) Income Limits Income cannot exceed CalHFA Income Limits Minimum CLTV 70% Maximum CLTV 105% Layering with other CalHFA Programs Cannot be combined with CalPLUS ZIP or MyHome.