How much does Dream For All provide?

Up to 20% of the purchase price toward down payment and closing costs, subject to program caps. Exact limits and funding availability change each round, so confirm current terms with us.

Do I make monthly payments on the assistance?

No. It's a shared-appreciation second with no monthly payment. You repay the original amount plus a share of appreciation when you sell, transfer, or refinance the home.

Down payment assistance

CalHFA Dream For All — California Shared-Appreciation Loan

Dream For All is CalHFA's shared-appreciation program: it can cover up to 20% of the purchase price toward your down payment and closing costs, with no monthly payment on the assistance. In exchange, you repay the original amount plus a share of your home's appreciation when you sell or refinance.

Program administrator

California Housing Finance Agency (CalHFA)

Where it applies

Statewide (California)

Assistance

Up to 20% down/closing

Structure

Shared-appreciation loan

How it works

The assistance is a silent second loan — no monthly payments. When you sell or refinance, you repay what you borrowed plus a percentage of the home's increase in value. Funding is released in limited rounds and is often oversubscribed, so timing and a ready pre-approval matter.

Who qualifies

First-time homebuyer (no ownership in the past 3 years)
Meet CalHFA income limits for the county
Complete an approved homebuyer education course
Use the home as your primary residence
At least one borrower must be a first-generation homebuyer (in recent rounds — confirm current rules)

Frequently asked questions

How much does Dream For All provide?: Up to 20% of the purchase price toward down payment and closing costs, subject to program caps. Exact limits and funding availability change each round, so confirm current terms with us.
Do I make monthly payments on the assistance?: No. It's a shared-appreciation second with no monthly payment. You repay the original amount plus a share of appreciation when you sell, transfer, or refinance the home.

Other assistance programs

CalHFA MyHome Assistance GSFA Platinum LA City LIPA LA County HOP

Program terms, dollar amounts, income limits, and funding availability change frequently and are set by the administering agency — not by USA Mortgage Solutions. This page is general information only, not a commitment to lend or a guarantee of eligibility. Confirm current details with a loan officer. Equal Housing Lender.