Big news for California homebuyers — the CalHFA Dream For All Shared Appreciation Loan Program is officially reopening in early 2026!
CalHFA has announced that they’re finishing up their current waitlist and expect to have funds remaining for a new round of applicants. This is your chance to prepare early and be ready when registration opens — because this program is one of the most powerful tools ever created to help California families achieve homeownership.
🗓️ How the 2026 Reopening Works
Here’s what we know so far:
Voucher registration will open in early 2026
Applicants will enter a randomized drawing (it’s not first-come, first-served)
Selected registrants will receive a voucher giving them access to program funds
Lenders and brokers can start working now to get buyers pre-approved and ready for the selection process
If you want to be in position to win one of these vouchers, now is the time to start preparing.
💰 Program Highlights
The Dream For All program helps first-generation, first-time homebuyers with a shared appreciation loan that can cover:
Up to 20% of the home’s purchase price (not to exceed $150,000)
Can be used toward down payment and/or closing costs
No monthly payments on this loan — repayment happens later when you sell or refinance your home
This program creates an incredible opportunity for families who need that boost to finally step into homeownership.
👥 Who Qualifies?
To be eligible, you must:
✅ Be a first-time homebuyer (no homeownership in the past 3 years)
✅ Be a first-generation homebuyer — meaning:
• One of your parents do not currently own a home in the U.S. or
• You’ve previously been in foster care
✅ Be a current California resident
✅ Meet CalHFA income limits for your county
📋 Documents You’ll Need to Register
When registration opens, be prepared to upload the following:
CalHFA Dream For All Lender Pre-Approval Letter (this is where I come in — I can help you get this ready!)
Government-issued ID (driver’s license, passport, green card, etc.)
Foster care documentation (if applicable)
Parent information for first-generation verification
• Name, date of birth, date of death (if applicable), and current address
• Proof of parent relationship (birth certificate, adoption papers, etc.)
🧮 How the Shared Appreciation Loan Works
Here’s how simple it is:
CalHFA provides up to 20% of the home price for your down payment and closing costs.
You make no payments on that portion while you live in the home.
When you sell or refinance, you repay the original amount plus a small share of your home’s appreciation.
Example:
You buy a home for $500,000
CalHFA provides $100,000 (20%)
You later sell for $700,000 (a $200,000 increase in value)
You repay the $100,000 + 20% of the $200,000 ($40,000) = $140,000 total
If your income is below 80% of your area’s median income, you share only 15% of the appreciation — a major bonus for lower-income families.
🎓 Education Requirement
Every borrower must complete a CalHFA-approved homebuyer education course — designed to help you confidently manage your home and finances.
🔑 Why This Program Matters
For many California families, saving a down payment is the biggest barrier to homeownership. The Dream For Allprogram removes that hurdle, helping first-generation buyers build real wealth and real stability for the future.
By partnering with the State of California, buyers can finally access the opportunities that generations before them may have missed.
💬 Get Ready Now
Although registration opens in 2026, the time to prepare is now. Getting pre-approved early will make sure you’re ready to register and compete in the voucher selection process.
💡 What’s Next
Even though registration won’t open until early 2026, now is the perfect time to get ready.
I will help you prepare your pre-approval, organize your documents, and position you to succeed when the program opens.
📞 Contact me, Lamont Hyde, and let’s get your Dream For All pre-approval started today.
Together, we’ll get you ready to claim your spot — and finally make your dream of homeownership a reality.
💬 Don’t Qualify for Dream For All? You Still Have Options!
If you don’t meet the Dream For All requirements, there are other great CalHFA programs designed to help you achieve homeownership in California:
🏠 CalHFA FHA Loan Program
An FHA-insured loan featuring a CalHFA 30-year fixed-rate first mortgage.
💰 CalPLUS FHA Loan Program
An FHA-insured first mortgage with a slightly higher rate, combined with the CalHFA Zero Interest Program (ZIP)for closing cost assistance.
🎖️ CalHFA VA Loan Program
A VA-insured, 30-year fixed-rate first mortgage designed for eligible veterans and service members.
🌾 CalHFA USDA Program
A USDA Guaranteed first mortgage that can be combined with the MyHome Assistance Program — great for buyers in eligible rural areas.
🏡 CalHFA Conventional Loan Program
A conventional first mortgage insured with private mortgage insurance and a fixed rate for 30 years.
💳 CalPLUS Conventional Loan Program
A conventional loan with a slightly higher rate that pairs with CalHFA ZIP for help with closing costs.
🚀 Let’s Find the Right Program for You
Every buyer’s situation is unique — and there’s a CalHFA option for just about everyone. Whether you’re eligible for the Dream For All Shared Appreciation program or another CalHFA loan, I can help you find the best fit and get started on the path to homeownership.
📞 Call or message me today to see which CalHFA program you qualify for and start preparing for the 2026 reopening!
Lamont Hyde / Mortgage Broker
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562-968-7004
www.LamontHydeMortgage.com
lamont@lamonthydemortgage.com
DRE#01863312 / NMLS#1478632
Helping California families build Real Wealth, Real Security, and a Real Future