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Borrower is a CalHFA income homebuyer

  • Dream For All provides a loan for 20% of the home purchase price.

  • The homeowner pays back the original loan amount plus 20% of any appreciation in the value of the home.

  1. Talk to a CalHFA Approved Lender who is offering the Dream For All program.

  2. Work with your loan officer to determine what you need to do to secure a California Dream For All (DFA) Lender Pre-Approval Letter. You’ll need this letter in order to register for a DFA voucher in April.

  3. Take the 1-hour California Dream For All education course which covers what shared appreciation is and how it affects your mortgage repayment. This course is delivered online and is free. Visit calhfadreamforall.com to get signed up and learn about shared appreciation now.

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