This California Dream for All Shared Appreciation Program is for you if:

• All buyers must be first-time homebuyers, which means you haven’t owned and lived in a home or lived in a home owned by a spouse in the past three years.

• One buyer must be a first-generation homebuyer, meaning you haven’t owned a home or been on a mortgage in the U.S. in the past 7 years, and to the best of your knowledge, your parents have never owned a home in the U.S., or did not own one at the time of their passing.

• One buyer must be current resident of California.

• Your income is under the county limits (PDF). 

• You have 680+ credit (660 minimum for "low income" buyers)

🔹 CalHFA provides $100,000 (20%) as down payment assistance through the Dream For All loan

🔹 Later, you sell the home for $700,000
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🔹 You repay the original $100,000, plus 20% of the $200,000 in appreciation — that’s $40,000
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🔹 You keep the rest of your equity!

Since funding is limited, they’ve created a lottery system to give everyone a fair shot at applying.
​Here’s how to get your name in the drawing:
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​📌 Step 1: Watch for the Application Window
CalHFA has announced that voucher registration will reopen in early 2026. 
Click here to join our mailing list for updates.


📌 Step 2: Work with a CalHFA-Approved Lender
You can’t enter the lottery on your own, it must be done through a CalHFA-approved lender.
Good news, my team and I are fully approved and ready to help! The sooner we get you pre-approved, the faster we can submit your application once the window opens. Don’t wait, starting now gives you the best shot. Schedule a call or apply here. 

📌 Step 3: Lottery Drawing
CalHFA randomly selects qualified applicants from the pool of entries.

📌 Step 4: Selected Applicants Are Notified
If you’re chosen, you’ll receive instructions on securing a mortgage and finalizing your home purchase.

📌 Step 5: Funding Is Guaranteed as long as you use it before you voucher expires
Lottery winners get 90 days to get into contract on a home.  If you do not find a home in that time, you can request a one time 90 day extension

Once the lottery closes, CalHFA randomly picks applicants from the pool—everyone has an equal shot, no matter when they applied during the window. If you're selected, you'll be contacted by email or phone.

💡 Want to be better prepared if you're picked?

- Confirm you meet the program requirements ahead of time.
- Gather your financial docs now (income, assets, ID, etc.)
- Partner with my team and I early so you can move quickly if chosen.​

✅ Step 1: Get officially pre-approved with your CalHFA-approved lender (We can help!)
✅ Step 2: Start shopping for your home (yes, the fun part!)
✅ Step 3: Lock in your loan and submit all required paperwork
✅ Step 4: Close on your first home and celebrate your big win!

​📅 Heads up: There's a time limit to use your funds, so don’t wait, let’s get started!

Don’t stress you still have options!

🔹 Stay ready for the next lottery round 
🔹 Check with us to see what other options are available for you.

No, each applicant can only enter once per lottery round.

You repay the original 20% down payment amount plus a share of your home’s appreciation when you sell, transfer the home, or refinance your mortgage a second time or after 30 years, whichever comes first.

No. Begin your FREE online application with us today so we can review your income, credit, and overall eligibility. This early step ensures you're in position to qualify when the program launches.

Waiting until the last minute could hurt your chances especially if there are income or credit issues that need time to fix. Let’s get ahead of it together!

✅Call us at:  855-626-5464
✅Email us at: kingteam@johnloanking.com
✅Schedule a call with me: https://www.californiadreamforall.info/dfa-consultation
​✅Check to see if you qualify with our FREE calculator: https://homenow.summitfunding.net/dr/c/rayxs
✅Start the application process here: https://homenow.summitfunding.net/dr/c/rayxs