CalHFA Program
Registration for the 2026 CalHFA Program Opens 2/26 - 3/16, 2026.. We will post updated information here.
We’re proud to be a partner with CalHFA and a participant in the Dream For ALL program.
Refer to the CalHFA Dream For All Program Handbook for all program details.
Get your borrowers ready! Registration for the 2026 Dream For All Program opens between February 24th and March 16th, 2026. Take Steps Now to Secure Funds for Your Borrowers!
Completed by the Broker (LO) and provided to the applicant to submit
Between 2/24 - 3/16, 2026
CalHFA randomly selects registrants (who completed and submitted the letter) from the Lottery
Submit a loan for selected clients.
Learn More at the CalHFA Dream for All site
A. The Dream For All is a loan program that provides loans for a down payment to qualified first-time homebuyers. Upon sale or transfer of the home, the homebuyer repays the original down payment loan, plus a share of the appreciation in the value of the home. Those repayments are then used to fund future homebuyer down payments
A. Yes, however payments are applied to the principal balance only and do not affect the shared appreciation portion. However paying off the principal balance in full will trigger the repayment of the shared appreciation portion.
A. The maximum loan amount is up to $150,000 or 20% of the sales price or appraised value, whichever is less.
A. The CLTV must be between 95.00% and 105.00%
For additional information on the Dream for All Loan Program visit THE California Housing Finance Agency Page Loan Program Handbook for Lenders, Real Estate Agents, Non-Profits | CalHFA or their FAQ Page CalHFA Dream For All Share Appreciation Loan Program Frequently Asked Questions