01/23/2026
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.
Registration will be open from February 24 to March 16, 2026.
Start preparing now.
Program Highlights
Offers up to 20% for down payment or closing costs, not to exceed $150,000
Homebuyer must register for a voucher. A randomized drawing will select registrants who will receive the voucher. This will not be first come, first served.
Eligibility
One borrower must be a first-generation homebuyer.
One borrower must be current resident of California.
All borrowers must be first-time homebuyers.
Income must meet CalHFA Income Limits for the county you are purchasing in.
Documents Needed
California Dream For All (DFA) Lender Pre-Approval Letter
Government ID: Passports, driver’s license, state-issued ID, military ID, permanent residence cards, visas or employment authorization documents
Foster care documentation (if applicable): Foster Care Verification Form/Letter or court documents
The DFA Voucher application will require information for both parents of the designated first-generation borrower(s) including:
Name
Date of birth
Date of death (if applicable)
Current address
Proof of parent relationship
Birth Certificate
Adoption papers
https://www.calhfa.ca.gov/dream/index.htm
Roni Gonzalez
Synergy One Lending
Sr. Mortgage Advisor
📲 (209) 914-0964
📨 [email protected]
📨 [email protected]
