06/18/2026
No down payment assistance program is free. The government always gets something in the end. But the programs existβand they work. π°
In this episode, Danny Waddell breaks down California's Dream for All program. It's a shared appreciation program: the government provides down payment assistance, and when you sell, they want their money back plus a share of the appreciation.
Example: Buy at $1M, sell at $1.5M (50% appreciation). The government gets their down payment back plus a portion of that growth. It's unique. It's powerful. And it's in its third roundβbut it's a lottery system, so you need to get in early.
There are other programs too. CalHFA offers multiple options to pair with FHA and conventional loans.
π₯ Watch the full episode for the complete interview with Danny Waddell β‘ https://youtu.be/LKoL4OlcJ80