DREAM FOR ALL
Buy sooner with shared appreciation financing.
What Is the Dream For All Program?
The CalHFA Dream For All program provides eligible first-time buyers with down payment assistance in exchange for a share of future home appreciation. Instead of monthly payments or interest on this assistance, repayment is deferred and only occurs when the home is sold, refinanced, or transferred.
Offered through the California Housing Finance Agency (CalHFA), this program is designed to remove one of the biggest barriers to homeownership—saving for a down payment. It’s especially helpful for buyers who have stable income and can afford monthly mortgage payments but are being held back by today’s high upfront costs.
Who the Dream For All Program Is Best For
The CalHFA Dream For All program is designed to help qualified first-time buyers overcome the biggest barrier to homeownership: the upfront cost. If you’re exploring whether this program makes sense for your situation, the criteria below can help you quickly see if you’re a good fit. Below are the four key factors lenders look at when determining eligibility.
1
Are a first-time homebuyer
This program is specifically designed for buyers who haven’t owned a home before and want a path to homeownership without a large upfront down payment.
2
Have stable income but limited monthly savings
If you can comfortably afford a monthly mortgage payment but haven’t been able to save a full down payment, Dream For All can help bridge that gap using shared appreciation assistance.
3
Can comfortably afford monthly mortgage payments
While the program helps with upfront costs, borrowers still need to qualify based on income, credit, and debt-to-income guidelines to ensure long-term affordability.
4
Plan to stay in the home long enough for appreciation to matter
Because the assistance is repaid through shared appreciation, this loan works best for buyers who plan to stay in the home long enough for market appreciation to outweigh the tradeoff.
What You Need to Qualify
Income Limits
Household income must fall within CalHFA’s program limits, which are based on county and household size.
First Time Homebuyer Status
You must be a first-time buyer, generally meaning you haven’t owned a home in the past three years.
Credit Profile
A qualifying credit score and acceptable credit history are required to demonstrate your ability to repay the loan.
Homebuyer Education
At least one borrower must complete an approved homebuyer education course before closing.
Occupancy Requirements
The home must be your primary residence and cannot be used as a rental or investment property.
We’re here to help.
The JJ Mack Team at American Pacific Mortgage specializes in Roseville Mortgages and guiding buyers through the CalHFA Dream For All loan program. With offices in Roseville, Sacramento, and Loomis, we combine local expertise with personal service to guide first-time buyers every step of the way. Our team focuses on accuracy, speed, and smooth closings so your Dream For All application stays on track from start to finish. If you’re interested in the Dream for All program, contact us or fill out the form below to explore how we can help you unlock the door to homeownership in California.
Frequently Asked Questions
Q: How does the CalHFA Dream For All program work for Roseville homebuyers?
The Dream For All program provides shared appreciation down payment assistance that helps eligible Roseville buyers purchase a home with significantly less upfront cash while keeping monthly payments manageable.
Q: Do I have to be a first-time homebuyer to qualify for the Dream For All loan?
Yes, most applicants must meet first-time homebuyer requirements, complete homebuyer education, and work with an approved CalHFA lender familiar with local Roseville guidelines.
Q: Can a local Roseville mortgage lender help me determine if I qualify?
Absolutely. A local Roseville mortgage lender can review your income, credit profile, and purchase goals to confirm eligibility and guide you through the Dream For All application process from start to finish.