California Housing Finance Agency (CalHFA)
California Dream For All Shared Appreciation Loan is available in San Francisco, CA.
The California Dream For All program offers first-generation, first-time homebuyers up to 20% of the purchase price (max $150,000) as a shared appreciation loan for down payment. Repayment includes the original amount plus a share of appreciation. Demand far exceeds funding, so applicants enter a randomized lottery.
Repayment includes original amount plus 15-20% of appreciation at sale
Data last verified 2026-04-03. How we verify our data.
In San Francisco, CA, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in San Francisco, CA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.
Documents you will likely need
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, check calhfa.ca.gov/dream for next round
Ask us. It is free, and a real person answers within a business day.
Email us about this programApply directly with California Housing Finance Agency (CalHFA) using the official program link on this page or call 877-922-5432. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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