How You Can Receive The California Dream For All Shared Appreciation Loan

Caucasian couple holding sold sign outside new home

Photo: JGI/Daniel Grill / Tetra images / Getty Images

According to the California Housing Finance Agency, 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 for down payment and/or closing costs.

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. Here's how you can receive the Dream For All Shared Appreciation Loan:

  1. Talk to a CalHFA Approved Lender who is offering the Dream For All program.
  2. Work with your loan officer to determine what you need to do to secure a  California Dream For All (DFA) Lender Pre-Approval Letter. You’ll need this letter in order to register for a DFA voucher in April.
  3. Take the 1-hour California Dream For All education course which covers what shared appreciation is and how it affects your mortgage repayment. This course is delivered online and is free. Visit to get signed up and learn about shared appreciation now.

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