Property Requirements: What Kind of Homes Qualify?
Monday, October 27, 2025
Property Requirements:
What Kind of Homes Qualify?
If you’re thinking about using CalHFA’s Dream For All program, it’s not just who you are that matters, it’s also what kind of home you plan to buy.
Here’s a simple breakdown of the types of properties that are eligible 👇
🏡Property Types
To qualify for Dream For All, the home you buy must be a single-family, one-unit residence. That includes:
- Traditional single-family homes
- Approved condominiums or PUDs (planned unit developments)
- Manufactured homes (as long as they meet CalHFA and lender guidelines)
- Homes with guest houses, granny units, or in-law quarters — these can be eligible too!
🏘️ What About Condos?
Condos can qualify for Dream For All if they meet the same rules as your first mortgage program.
Your lender will verify that the condo project is approved and meets all requirements.
💬 When Rules Overlap
Sometimes CalHFA’s guidelines and your first mortgage’s rules might not line up perfectly. In those cases, the more restrictive rule always applies. That just means we’ll follow whichever guideline is stricter to make sure the loan stays fully compliant.
Ready to Find Out if Your Home Qualifies?
I can review your property type and help you plan for Dream For All’s 2026 relaunch so you’re
ready when registration opens.
This content is for educational purposes only and is not a commitment to lend. Program terms, income limits, and eligibility requirements for CalHFA and Dream For All are determined by CalHFA and subject to change. John King (NMLS #453426) is a CalHFA Preferred Loan Officer with Summit Funding, Inc. (NMLS #3199), a CalHFA-preferred lender. CalHFA does not lend directly to consumers.
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John King (NMLS #453426) is a CalHFA preferred loan officer, authorized to offer the California Dream for All program through Summit Funding, Inc., NMLS #3199. The content on this site is for general educational and informational purposes only. California Dream for All is a state program, and all information—including eligibility, terms, and availability—is subject to change without notice by CalHFA or the State of California. This independent site is operated by John King and is not affiliated with, endorsed by, or a branch of CalHFA or the State of California. Any offers, claims, or rate quotes are those of Summit Funding, Inc. and John King and are not guaranteed.