The California Dream For All Shared Appreciation Loan is designed to help first-time homebuyers by offering down payment assistance in conjunction with a conventional first mortgage. This assistance requires repayment of the original loan plus a share of the home's appreciation upon sale or transfer. Program updates include a targeted voucher website launch in April 2024.

Applicants are advised to secure a lender pre-approval letter and take a free online course on shared appreciation. The program's first phase in 2023 assisted 2,182 new homeowners, with 55% identifying as belonging to communities of color. Last year’s total of $300 million was depleted in 9 days.

This year the $250 million program has been designed with more time to prepare. Start early.

For your convenience, here is the program brochure and FAQs as a start:

Dream For All Loan Program Handbook

Dream For All Loan Program FAQs

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