The CalHFA Dream For All Shared Appreciation Loan may provide eligible first-time homebuyers with down payment assistance of up to 20% of the purchase price
California Dream For All
The Dream For All Shared Appreciation Loan is a down payment assistance program for first-time homebuyers to be used in conjunction with the Dream For All Conventional first mortgage to help cover down payment and/or closing costs.
When the home is sold, transferred or the first mortgage is paid in full - the homebuyer repays the original down payment loan, plus a share of the appreciation in the value of the home.
If you applied in previous rounds and were placed on a waitlist or received a DFA voucher, you may access the Voucher Portal to view your voucher status, download a copy of your voucher, request a one-time extension, or cancel your voucher.
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Everett Financial DBA Supreme Lending NMLS#2129
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No monthly payments on the assistance. Repay only when you sell/refinance/transfer (shared appreciation loan). Program rules subject to CalHFA guidance.
What is Dream For All?
* Up to 20% of purchase price for down payment + eligible closing costs (not to exceed $150,000)
* Funding is limited and applications are subject to a lottery selection process administered by CalHFA. Submission of an application does not guarantee selection or approval.
* No required monthly payments on the Dream For All assistance loan. Repayment of the original assistance amount plus a shared appreciation portion is due upon sale, refinance, transfer, or payoff of the first mortgage.
* Repayment when you sell/refinance/transfer + shared appreciation
Who may qualify?
Eligibility
One borrower must be a first-generation homebuyer.
One borrower must be current resident of California.
All borrowers must be first-time homebuyers.
Income must meet CalHFA Income Limits for the county you are purchasing in.
Why preparation matters?
The program runs in a short window
Selected buyers must move quickly
Pre-qualification is a must-have step
FAQs
Answers to Your Top Home Loan Questions, Simplified
What is the California Dream For All program?
The California Dream For All® program is a down payment assistance program that may provide up to 20% of the home’s purchase price to help eligible buyers with their down payment and certain closing costs. The assistance is offered as a shared appreciation loan, not a grant.
How are buyers selected?
Funding is limited and buyers are selected through a randomized lottery process during the official registration window. The program is not first-come, first-served.
Is Dream For All free money?
No. Dream For All is not a grant. There are no monthly payments on the assistance, but repayment occurs when the home is sold, refinanced, or transferred. The amount repaid includes the original assistance plus a portion of the home’s value change, as defined by the program.
Do I need a pre-approval to apply??
Yes. A pre-approval from a participating lender is required in order to register for the lottery. Buyers who prepare ahead of time are best positioned if selected.
Tracie Schmidt
Mortgage Loan Officer
NMLS#269424
Direct: 858-336-5200
Address: 2550 Fifth Avenue Suite 510 San Diego, CA 92103
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This website is not authorized by the New York State Department of Financial Services to accept mortgage loan applications for properties located in New York. For New York applicants, please visit our New York authorized website: www.supremelendingnewyork.com. ©2026 Everett Financial, Inc. dba Supreme Lending NMLS #2129 ( www.nmlsconsumeraccess.org ) 14801 Quorum Dr., #300, Dallas, TX 75254. 866.674.1296. All rights reserved. Supreme Lending is an Equal Housing Opportunity Lender. This is not an offer to enter into an agreement. Information, rates, and programs are subject to change without prior notice and may not be available in all states. All products are subject to credit and property approval. Supreme Lending is not affiliated with any government agency. For licensing information, go to: www.nmlsconsumeraccess.org. Supreme Lending is an equal opportunity employer and does not practice discrimination based on age, gender, race, religion, national origin, as well as any other rights afforded to applicants under state and federal law. ©2026 Everett Financial, Inc. dba Supreme Lending.
This is not a commitment to lend. All loans are subject to credit,
program and property approval. upre
This is me Lending is an equal opportunity employer and does not practice discrimination based on age, gender, race, religion, national origin, as well as any other rights afforded to applicants under state and federal law.
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