CalHFA Dream For All 2026 Program Now Open for Registration

Great news for aspiring California homeowners! The CalHFA Dream For All 2026 program is now open for registration, offering a unique opportunity for qualified buyers to receive significant down payment assistance.

This program is designed to help make homeownership more accessible by providing shared appreciation down payment assistance of up to 20% of the home purchase price.

However, registration is only the first step. Applicants who register by the deadline will be entered into the California Dream For All lottery, and selection is not guaranteed.

What Is the Dream For All Program?

The California Dream For All Shared Appreciation Loan is a program from the California Housing Finance Agency (CalHFA) that helps eligible homebuyers with upfront funds for their down payment. In exchange, the program shares in a portion of the home’s appreciation when the home is sold or refinanced.

This assistance can significantly reduce the amount of cash needed upfront, making homeownership possible for many buyers who might otherwise struggle with the initial costs.

Key Program Highlights

The 2026 Dream For All program includes several important features:

• Down Payment Assistance: Up to 20% of the home purchase price

• First-Generation Homebuyer Requirement: At least one borrower must be a first-generation homebuyer

• California Residency: At least one borrower must be a current California resident

• Income Limits Apply: Borrowers must meet CalHFA income requirements

• Citizenship Requirement: Applicants must be U.S. citizens or qualified residents

• CLTV Requirement: Combined Loan-to-Value must be between 95% and 105%

• Property Type: Must be an owner-occupied property

• Education Requirement: Completion of homebuyer education is required

• Location: Available only for homes in California

For full program details, review the CalHFA Dream For All Loan Program Handbook.

Important Deadline

Homebuyers must register by March 16, 2026 to be entered into the Dream For All lottery for a chance to receive the shared appreciation assistance.

How We Can Help

Our experienced loan officers are actively helping mortgage clients prepare and submit their applications for the Dream For All shared appreciation grants before the deadline.

If you’re considering buying a home in California, this program could provide a powerful boost toward your down payment.