Want the Latest Dream for All Updates?
We’ll send you real-time news, eligibility tips, and program updates straight to your inbox
so that you’re first in line when the program opens.
🔥Receive up to 20% in down payment assistance for first-time homebuyers!
Get a step-by-step guide on how to navigate this program with our FREE eBook!
Get a step-by-step guide on how to navigate this program with our
FREE eBook!
What is Dream for All?
The California Dream for All program makes homeownership
MORE AFFORDABLE by helping first-time homebuyers with
downpayment and closing costs!
Now... how much assistance are we talking about?
Homebuyers receive a shared appreciation loan to help them reach a down payment of at least 20% of their home’s purchase price!
With the California Dream For All program, you can have an immediate increase in your price range by $100,000 on average!
"Keep your down payment as a "rainy day fund"
What is Dream for All?
The California Dream for All program makes homeownership
MORE AFFORDABLE by helping first-time homebuyers with
downpayment and closing costs!
Now... how much assistance are we talking about?
Homebuyers receive a shared appreciation loan to help them reach a down payment of at least 20% of their home’s purchase price!
With the California Dream For All program, you can have an immediate increase in your price range by $100,000 on average!
"Keep your down payment as a "rainy day fund"
Frequently Asked Questions
Can this program be used for down payment and closing costs?
A: Yes, Shared Appreciation Loans can be used for down payments and closing costs, including permanent interest rate buydowns.
What is the maximum loan amount?
A: The maximum loan amount is up to $150,000 or 20% of the sales price or appraised value, whichever is less.
Do all borrowers have to be first-generation homebuyers?
A: No, only one borrower has to meet the definition of a first-generation homebuyer.
Do all borrowers have to be a current California resident?
A: No, only one borrower has to be a current California resident.
What are the income limits?
A: Income cannot exceed CalHFA Dream for All Income limits.
Frequently Asked Questions
Can this program be used for down payment and closing costs?
A: Yes, Shared Appreciation Loans can be used for down payments and closing costs, including permanent interest rate buydowns.
What is the maximum loan amount?
A: The maximum loan amount is up to $150,000 or 20% of the sales price or appraised value, whichever is less.
Do all borrowers have to be first-generation homebuyers?
A: No, only one borrower has to meet the definition of a first-generation homebuyer.
Do all borrowers have to be a current California resident?
A: No, only one borrower has to be a current California resident.
What are the income limits?
A: Income cannot exceed CalHFA Dream for All Income limits.
achieve homeownership in
California.
🔥Up to 20% Down Payment Help Could Be Yours!
The California Dream for All program for first-time homebuyers is designed to get you into
owning a home sooner, with lower monthly payments and no PMI.
Why Should You apply for cA dream for all?
The California Dream for All program offers a shared appreciation loan, which means you get up to 20% toward your down payment with no monthly payments. In return, when you sell or refinance, you pay back the loan amount plus a share of the appreciation.
- No monthly payments on the down payment assistance
- You repay the loan only when you sell, refinance, or transfer the home
- You also share a portion of your home’s appreciation at that time
Why Should You apply for cA dream for all?
The California Dream for All program offers a shared appreciation loan, which means you get up to 20% toward your down payment with no monthly payments. In return, when you sell or refinance, you pay back the loan amount plus a share of the appreciation.
- No monthly payments on the down payment assistance
- You repay the loan only when you sell, refinance, or transfer the home
- You also share a portion of your home’s appreciation at that time
When will round 3 be launching?
📅Updates expected by October 2025. In the meantime, we strongly advise for you to:
- Work with a CalHFA-approved lender (like us) Schedule call here.
- Start getting your finances, credit, and documents in order
The newly approved California state budget is allocating $300 million for the return of the California Dream for All Program. This is more than what was released in 2024, so we are excited to help ever more families become homeowners with this great program.
FAQ
This California Dream for All Shared Appreciation Program is for you if:
• You are a first‑time home‑buyer (no ownership in last 3 yrs)
• You are a first‑generation buyer (parents haven’t owned)
• You’ll live in the home (CA primary residence)
• Your income is under the county limit
• You have 660+ credit and manageable debt
🔹You buy a home for $500,000
🔹CalHFA provides $100,000 (20%) as a second loan
🔹You sell the home for $700,000
🔹You repay the original $100,000 plus a portion of the $200,000 appreciation
Since funding is limited, they’ve created a lottery system to give everyone a fair shot at applying.
Here’s how to get your name in the drawing:
📌 Step 1: Watch for the Application Window
CalHFA will announce when the lottery opens—expected by October 2025.
It will only be open for a short time, so don’t miss it! Click here to join our mailing list for updates.
📌 Step 2: Work with a CalHFA-Approved Lender
You can’t enter the lottery on your own—it must be done through a CalHFA-approved lender. Good news: my team and I are fully approved and ready to help! The sooner we get you pre-approved, the faster we can submit your application once the window opens. Don’t wait, starting now gives you the best shot.
📌 Step 3: Lottery Drawing
CalHFA randomly selects qualified applicants from the pool of entries.
📌 Step 4: Selected Applicants Are Notified
If you’re chosen, you’ll receive instructions on securing a mortgage and finalizing
your home purchase.
📌 Step 5: Funding Is Allocated Until It Runs Out
Lottery winners get funding on a first-come, first-served basis until the program reaches its funding limit.
Once the lottery closes, CalHFA randomly picks applicants from the pool—everyone has an equal shot, no matter when they applied during the window. If you're selected, you'll be contacted
by email or phone.
💡 Want to be better prepared if you're picked?
- Confirm you meet the program requirements ahead of time
- Gather your financial docs now (income, assets, ID, etc.)
- Partner with a lender early so you can move quickly if chosen
✅ Step 1: Get officially pre-approved with your CalHFA-approved lender (We can help!)
✅ Step 2: Start shopping for your home (yes, the fun part!)
✅ Step 3: Lock in your loan and submit all required paperwork
✅ Step 4: Close on your first home and celebrate your big win!
📅 Heads up: There's a time limit to use your funds, so don’t wait, let’s get started!
Don’t stress you still have options!
🔹 Stay ready for the next lottery round (CalHFA opens them throughout the year)
🔹 Check with us to see what other options are available for you.
No, each applicant can only enter once per lottery round.
You pay back the 20% down PLUS a portion of any appreciation when you sell or refinance.
No. Begin your FREE online application with us today so we can review your income, credit, and overall eligibility. This early step ensures you're in position to qualify when the program launches.
Waiting until the last minute could hurt your chances especially if there are income or credit issues that need time to fix. Let’s get ahead of it together!
✅Call us at: 855-626-5464
✅Email us at: kingteam@johnloanking.com
✅Schedule a call with me (John King, CalHFA approved lender): https://www.johnloanking.info/dfa-schedule-call
And don’t forget—subscribe to our YouTube channel for more Dream for All updates!
FAQ
This California Dream for All Shared Appreciation Program is for you if:
• You are a first‑time home‑buyer (no ownership in last 3 yrs)
• You are a first‑generation buyer (parents haven’t owned)
• You’ll live in the home (CA primary residence)
• Your income is under the county limit
• You have 660+ credit and manageable debt
🔹You buy a home for $500,000
🔹CalHFA provides $100,000 (20%) as a second loan
🔹You sell the home for $700,000
🔹You repay the original $100,000 plus a portion of the $200,000 appreciation
Since funding is limited, they’ve created a lottery system to give everyone a fair shot at applying.
Here’s how to get your name in the drawing:
📌 Step 1: Watch for the Application Window
CalHFA will announce when the lottery opens—expected by October 2025.
It will only be open for a short time, so don’t miss it! Click here to join our mailing list for updates.
📌 Step 2: Work with a CalHFA-Approved Lender
You can’t enter the lottery on your own—it must be done through a CalHFA-approved lender. Good news: my team and I are fully approved and ready to help! The sooner we get you pre-approved, the faster we can submit your application once the window opens. Don’t wait, starting now gives you the best shot.
📌 Step 3: Lottery Drawing
CalHFA randomly selects qualified applicants from the pool of entries.
📌 Step 4: Selected Applicants Are Notified
If you’re chosen, you’ll receive instructions on securing a mortgage and finalizing
your home purchase.
📌 Step 5: Funding Is Allocated Until It Runs Out
Lottery winners get funding on a first-come, first-served basis until the program reaches its funding limit.
Once the lottery closes, CalHFA randomly picks applicants from the pool—everyone has an equal shot, no matter when they applied during the window. If you're selected, you'll be contacted
by email or phone.
💡 Want to be better prepared if you're picked?
- Confirm you meet the program requirements ahead of time
- Gather your financial docs now (income, assets, ID, etc.)
- Partner with a lender early so you can move quickly if chosen
✅ Step 1: Get officially pre-approved with your CalHFA-approved lender (We can help!)
✅ Step 2: Start shopping for your home (yes, the fun part!)
✅ Step 3: Lock in your loan and submit all required paperwork
✅ Step 4: Close on your first home and celebrate your big win!
📅 Heads up: There's a time limit to use your funds, so don’t wait, let’s get started!
Don’t stress you still have options!
🔹 Stay ready for the next lottery round (CalHFA opens them throughout the year)
🔹 Check with us to see what other options are available for you.
No, each applicant can only enter once per lottery round.
You pay back the 20% down PLUS a portion of any appreciation when you sell or refinance.
No. Begin your FREE online application with us today so we can review your income, credit, and overall eligibility. This early step ensures you're in position to qualify when the program launches.
Waiting until the last minute could hurt your chances especially if there are income or credit issues that need time to fix. Let’s get ahead of it together!
✅Call us at: 855-626-5464
✅Email us at: kingteam@johnloanking.com
✅Schedule a call with me: https://www.johnloanking.info/dfa-schedule-call
✅Check to see if you qualify here: https://www.johnloanking.info/dfa-qualifier
📚Program Resources
See New 2025 Updated Income Limits
CalHFA has just updated its income limits,
and this change could impact your path to qualifying for California Dream for All.
Unlock personalized homebuyer insights
Enter the city where you want to buy below to see what you can afford and track real-time
market trends.
📚Dream for All Resources
2025 Updated Income Limits
CalHFA has just updated its income limits,
and this change could impact your path to qualifying for California Dream for All.
Unlock homebuyer insights
Enter the city where you want to buy below to see what you can afford and track real-time
market trends.
Want to Explore Different
Down Payment Assistance Options?
Visit our blog page with various down payment assistance options.
Learn more here.
Schedule a call with me to determine alternative programs.
Schedule a call here.
Want to Explore Different
Down Payment Assistance Options?
Visit our blog page with various down payment assistance options.
Click here to learn more.
Schedule a call with me to
determine alternative programs.
Click here to schedule a call.
Meet Your Lender
John King
Loan Consultant
NMLS ID# 453426
As an experienced mortgage expert, I'm here to help you qualify for the California Dream for All program. And if it’s not the right fit, don’t worry, I have access to a variety of other down payment assistance options available for you!
🗨️Client Reviews
Eric J. G.
"Although it was tough buying a home when interests rates are high and inventory is low, the knowledge and experience that John King’s team has made navigating the challenges a lot easier. We really appreciate your team’s help and guidance!!"
Verona A. N.
"Smooth escrow. Clear and
in-depth information communicated every step
of the way."
Faviola C.
"It was very helpful to have the whole process broken down. As a first-time homebuyer, everything is so scary. I was very thankful for the team. They answered every little small confusion that I had. Thank you all!"
See more reviews at myloanking.com
Meet Your Lender
John King I Loan Consultant I NMLS ID# 453426
As an experienced mortgage expert, I'm here to help you qualify for the California Dream for All program. And if it’s not the right fit, don’t worry, I have access to a variety of other down payment assistance options available for you!
🗨️What Our Clients Have to say
Eric J. G.
"Although it was tough buying a home when interests rates are high and inventory is low, the knowledge and experience that John King’s team has made navigating the challenges a lot easier. We really appreciate your team’s help and guidance!!"
Verona A. N.
"Smooth escrow. Clear and
in-depth information communicated every step of the way."
Faviola C.
"It was very helpful to have the whole process broken down. As a first-time homebuyer, everything is so scary. I was very thankful for the team. They answered every little small confusion that I had. Thank you all!"
Visit myloanking.com to see more of our reviews.
Want the Latest Dream for All Updates?
We’ll send you real-time news, eligibility tips, and program updates straight to your inbox
so that you’re first in line when the program opens.
Click here to subscribe to us on YouTube
Copyright 2024 - All Rights Reserved -Summit Funding
John King Loan Consultant / Branch Manager NMLS ID# 453426, Roseville- Branch NMLS ID# 1008243, Lodi- Branch NMLS ID# 284835, Summit Funding, Inc. NMLS ID# 3199, www.nmlsconsumeraccess.org, Equal Housing Opportunity.