California Housing Finance Agency (CalHFA) Dream For All Shared Appreciation Loan


Current funds for the California Dream For All Shared Appreciation Loan program have been reserved as of 04/07/2023

Maximum Amount

20% of Purchase Price


  • Deferred loan.
  • Up to 20% for down payment and closing costs.

Participating Lenders

Preferred Loan Officer list:
Approved Lenders:
Approved Wholesale Lenders_Brokers:
How to Become a Participating Lender:

Approved Education Providers

Homebuyer Education is required.
Additionally, Borrowers are required to complete CalHFA homebuyer education specifically for Shared Appreciation loans

Program Provider Contact

Single Family Lending
p: 916.326.8033

Customer Service / Loan Production /Lender Training
p: 916.326.8033

Secondary Marketing
p: 916.326.8824

Mortgage Access System (MAS)

CalHFA Training Contacts
Training Email:
Molly Ellis
Leanne Walker
Catherine Relyea