CalHFA Dream For All Shared Appreciation Loan

California Housing Finance Agency (CalHFA)

Available Home Repair

About This Program

CalHFA Dream For All Shared Appreciation Loan is available to homeowners in San Diego, CA.

CalHFA's Dream For All Shared Appreciation Loan provides up to 20% of the home purchase price (maximum $150,000) for first-time homebuyers as a deferred loan. In return, when you sell or refinance, you repay the original loan plus a share of the home's appreciation equal to the percentage originally borrowed. Demand far exceeds supply, funds are distributed by lottery. Income limits apply.

First-time homebuyer; must use CalHFA first mortgage; income limits apply; must repay loan plus percentage of appreciation when selling/refinancing; lottery-based, register during open voucher period

Data last verified 2026-04-03. How we verify our data.

In San Diego, CA, you can combine this program with other local help to cut your cost:

Key Details

  • Up to 20% of purchase price (max $150,000), deferred, no monthly payments
  • Repay loan plus share of appreciation when you sell or refinance
  • First-time homebuyer; CalHFA first mortgage required
  • Distributed by lottery, extremely competitive; register at calhfa.ca.gov
  • Income limits apply, check San Diego AMI limits before applying

How to Apply

Get free help applying Visit Official Program Page Track this program

1-877-922-5432

A grant-savvy contractor in San Diego, CA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in San Diego early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Lottery-based rounds, check CalHFA for next opening

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

Who qualifies for CalHFA Dream For All Shared Appreciation Loan in San Diego?

CalHFA Dream For All Shared Appreciation Loan is open to homeowners in San Diego, CA.

How do I apply for CalHFA Dream For All Shared Appreciation Loan in San Diego, CA?

Apply directly with California Housing Finance Agency (CalHFA) using the official program link on this page or call 1-877-922-5432. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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Find More Programs in San Diego, CA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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