Get Up to $150,000 in Down Payment Assistance
California's Dream For All Program for First-Time Homebuyers — designed for buyers who can afford the monthly payment but struggle to save a full down payment in California's high-cost market.
See Your Personalized Dream For All Options
Quick eligibility review to help you understand whether this program may work for your situation.
No credit check required • No obligation • 100% Free
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.
Up to 20% Down Payment Help
Capped at $150,000 to reduce upfront costs.
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 the home.
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.
Fill out our quick form. We'll reach out to review your situation and gather the required information.
We help connect you with a CalHFA-approved lender to obtain a Dream For All lender pre-approval letter, as required for registration.
We guide you through the registration process during the Feb 24 – Mar 16 window.
If selected in the random drawing and approved by a lender, you can use your voucher toward purchasing your California home.
Why Borrowers Choose Loan Factory
Loan Factory helps buyers navigate complex CalHFA rules, prepare early, and avoid missing limited Dream For All opportunities.
Frequently Asked Questions
Get answers to common questions about CalHFA Dream For All.
See If You May Qualify for Up to $150,000 in Down Payment Help
Dream For All uses a limited voucher system. A quick review helps you prepare early and avoid missing the registration window — with free guidance from our team.