California Dream For All Shared Appreciation Loan

Administered by California Housing Finance Agency (CalHFA) · calhfa.ca.gov

State-funded down payment assistance program for first-time homebuyers providing up to 20% of the home purchase price as a deferred loan. When the home is sold or refinanced, the state receives back the loan amount plus 20% of appreciation.

Eligibility requirements

✓First-time homebuyers (or those who have not owned in 3+ years) with income at or below CalHFA income limits (varies by county, roughly 120-150% AMI)
✓Must complete homebuyer education
✓Program is paused pending new funding rounds; check CalHFA for availability.

How to apply

Apply directly on the official website. GrantLantern does not process applications — we link you directly to the source.

Apply at calhfa.ca.gov →

Opens the official source. GrantLantern is not affiliated with this program.

Program details sourced from official government and agency websites. Eligibility is determined by the administering agency — not GrantLantern. Verify current requirements at the official source before applying.

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