02/13/2026
The California Housing Finance Agency (CalHFA) will start accepting applications on February 24th for Dream For All, a shared-appreciation loan program that offers as much as 20% in down-payment assistance- up to a maximum
of $150,000. The program has already helped thousands of families
become homeowners.
Applicants must meet several requirements, including:
Be a first-time homebuyer
At least one of the applicants must be a first-generation buyer- their parents cannot have owned a home.
Meet the household income limit of less than $191,000 in Placer County
A minimum credit score of 660
Provide specific documents, including a government-issued ID, proof of residence
and other items.
Under Dream For All, homeowners pay back the down payment plus 20%
of the appreciation when they sell the home or refinance their mortgage.
The money is returned to CalHFA and will help more families become homeowners through Dream For All loans.
Please note, applications will be drawn through a random selection process, reviewed to ensure applicants meet eligibility requirements and then vouchers will be issued. However, CalHFA offers other programs for first-time buyers that can open the door to homeownership.
