Get Up to $150,000 in Down Payment Assistance
California's Dream For All program helps first-time, first-generation homebuyers achieve homeownership with significant down payment support.
See Your Personalized Dream For All Options
Get a free, no-obligation eligibility review in minutes.
Understanding CalHFA Dream For All
What is Dream For All?
Dream For All is a California down payment assistance program for eligible first-time and first-generation homebuyers.
Instead of monthly payments, the assistance is repaid later, when you sell, transfer, or refinance the home.
20% DPA Cap at $150,000
Maximum assistance is 20% of the home price, up to $150,000.
No Monthly Payment
No monthly payment on the assistance amount.
Repayment Includes Shared Appreciation
Original amount plus shared appreciation when you sell or refinance.
Why Choose Dream For All?
California's Dream For All Program — one of California's most impactful down payment assistance programs — designed to help qualified buyers purchase sooner instead of waiting years to save.
Up to $150,000 in Assistance
Reduce upfront costs with down payment or closing cost help (based on guidelines).
Designed for First-Time Buyers
Built for buyers entering homeownership in today's high-cost California market.
First-Generation Priority
At least one borrower must be a first-generation homebuyer (parents never owned a home).
Pay Back Later
Repayment typically happens only when you sell, transfer, or refinance.
Limited Registration Window
Registration opens Feb 24 – Mar 16, 2026, with vouchers selected by random drawing.
Free Registration Guidance
We provide free support to help you prepare, understand the rules, and complete registration correctly.
Are You Eligible?
Check if you qualify for California's Dream For All program. Don't worry — we'll verify your eligibility for FREE.
First-Time Homebuyer
All borrowers must be purchasing their first home (or not have owned in the past 3 years).
First-Generation Homebuyer
At least one borrower must be a first-generation homebuyer (parents never owned a home).
Primary Residence
The home must be your primary residence (not an investment or rental property).
California Resident
At least one borrower must currently reside in California.
Income Limits Apply
Your household income must meet CalHFA limits for the county where you're purchasing.
Not sure if you qualify?
Don't let uncertainty stop you from achieving your dream of homeownership. Our team will review your situation and guide you through the process — completely FREE.
How It Works
We make the Dream For All registration process simple. Here's what to expect.
Step 01 \u2013 Get Started
Fill out our quick form. We'll reach out to review your situation and gather the required information.
Step 02 \u2013 Prepare with a CalHFA-Approved Lender
We help connect you with a CalHFA-approved lender to obtain a Dream For All lender pre-approval letter, as required for registration.
Step 03 \u2013 Register for a Voucher
We guide you through the registration process during the Feb 24 – Mar 16 window.
Step 04 \u2013 Find Your Dream Home
If selected in the random drawing and approved by a lender, you can use your voucher toward purchasing your California home.
Ready to Start Your California Dream?
Don't miss the Feb 24 \u2013 Mar 16, 2026 registration window. Get your free eligibility review today.
Check My Eligibility NowQuestions? Call Emmett Clark NMLS #233747 at (866) 617-7381