CalHFA’s California Dream For All program may return in 2026 — and for the right buyers, it could change what’s possible.
The California Dream For All program has helped eligible buyers access up to $150,000 toward a down payment, and it’s expected to return in 2026. But the real opportunity isn’t just the program — it’s understanding how it actually works before the noise starts.
What the Program Really Is
This is not free money.
It’s not monthly payment assistance.
The California Dream For All program is a shared appreciation loan that provides:
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Up to 20% of the purchase price, capped at $150,000
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Funds usable for down payment and/or closing costs
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No monthly payment on the assistance
The loan is repaid when you sell or refinance, along with a portion of the home’s appreciation.
Who It’s Designed to Help
This program is targeted, not universal.
It’s designed for:
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First-time homebuyers
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Buyers with at least one first-generation homebuyer in the household
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Buyers who meet county-specific income limits
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Buyers who qualify with a CalHFA-approved lender
The Part Most People Miss
Funds are not first-come, first-served.
When the program opens, the state runs a lottery. That means preparation — not speed — determines who actually benefits.
Why Preparation Matters More Than Ever
The buyers who win these programs aren’t scrambling at the last minute.
They’ve already:
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Reviewed and improved credit
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Understood income limits and qualification
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Built a buying strategy that works with the program rules
By the time the program opens, they’re ready.
Thinking About Buying in 2026?
If buying a home in 2026 is even a “maybe,” now is the time to get positioned — quietly, strategically, and without pressure.
If you want help understanding whether this program fits your situation and what preparation should look like, I’m happy to walk through it with you.
Patti Gregory Realtor
Your Partner in Success
714.398.1998
REAL Brokerage
DRE 01182154
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