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California Dream For All Shared Appreciation Loan is sponsored by California Housing Finance Agency (CalHFA). This program provides first-generation, first-time homebuyers with a shared appreciation loan to cover up to 20% of the home's purchase price. Repayment of the 20% plus a share of the home's appreciation is required when the home is sold, refinanced, or the mortgage is paid off.
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Interest Rate | Homebuyer Education | The Dream For All Shared Appreciation Loan is a down payment and/or closing cost assistance program for first-generation homebuyers, used with the Dream For All Conventional first mortgage. When the home is sold, transferred or the first mortgage is paid in full, the homebuyer repays the original down payment loan, plus a share of the appreciation in the value of the home.
## **Program Highlights** * Offers up to 20% for down payment or closing costs, not to exceed $150,000 * Homebuyer must register for a voucher. A randomized drawing will select registrants who will receive the voucher. This will not be first come, first served.
* **One borrower** must be a first-generation homebuyer. * **One borrower** must be current resident of California. * **All borrowers** must be first-time homebuyers.
* Combined household income must meet CalHFA Income Limits for the county you are purchasing in. * **Not Selected:** You can still work with a CalHFA Approved Lender and explore other CalHFA down payment assistance options like MyHome and CalPLUS with ZIP. * **Waitlist:** check yourvoucher portal account periodically and monitor your email.
If a voucher position becomes available and you are next on the waitlist, your status will change to **Voucher Issued**, and you will be notified right away by email. * **Voucher Issued:** You will see this status if you are randomly selected to receive a voucher! We will email detailed instructions and next steps to you along with your voucher.
* Take the 1-hour California Dream For All education course which covers what shared appreciation is and how it affects your mortgage repayment. This course is delivered online and is free. Visit calhfadreamforall.
com to get signed up and learn about shared appreciation now.
* California Dream For All (DFA) Lender Pre-Approval Letter * Government ID: Passports, driver’s license, state-issued ID, military ID, permanent residence cards, visas or employment authorization documents * Foster care documentation (if applicable): Foster Care Verification Form/Letter or court documents * The DFA Voucher application will require information for both parents of the designated first-generation borrower(s) including: * Date of death (if applicable) * Proof of parent relationship ### **California Dream For All Shared Appreciation Loan** ## **Shared Appreciation Examples** Shared Appreciation is a little more complex than a typical mortgage loan, so we’ve put together a few examples for you.
Shared Appreciation Examples| **Example 1** | | | **Borrower income less than or equal to 80% AMI using the HomeReady Lookup Tool** * Reduced (0. 75:1) program appreciation share * Program appreciation share is equal to 0. 75 times the Shared Appreciation Loan Amount (i.e., the original principal amount) as a percentage of the home value * Dream For All provides a loan for 20% of the home purchase price.
* The homeowner pays back the original loan amount plus 15% of any appreciation in the value of the home | **What is the interest rate? ** Interest rates will vary depending on your financial circumstances, lender fees, and other factors. Interest rates can also change daily.
We recommend that you check with a CalHFA-approved loan officer to receive an accurate rate quote for this program. CalHFA does not lend money directly to consumers. CalHFA works through and uses approved lenders to qualify consumers and to make all mortgage loans.
The fees you pay could be different depending on the lender and the program. View sample Annual Percentage Rates (APRs) here. ## **Homebuyer Education Requirement** CalHFA firmly believes that homebuyer education and counseling is critical to the success and happiness of a homeowner, and requires homebuyer education and counseling for first-time homebuyers using a CalHFA program.
**Who has to take this Homebuyer Education and Counseling course? ** Only **one** occupying first-time borrower on each loan transaction. **How do I take this education and counseling course?
** * **ONLINE:**eHome's eight-hour Homebuyer Education and Counseling course is the only online course accepted by CalHFA. (fee: $100) Other online courses like Frameworks and HomeView are not acceptable because they do not provide a one-hour, 1-on-1 counseling follow-up session.
* **IN-PERSON or VIRTUAL:** Live Homebuyer Education and Counseling in-person or virtually though NeighborWorks America or any HUD-Approved Housing Counseling Agency **California Dream For All Shared Appreciation Loan Education** * **ONLINE:**The California Dream For All education is free and online only.
According to the current listing, eligibility includes: First-generation, first-time homebuyers in California who meet CalHFA income limits and program requirements. Confirm the full requirements in the official notice before applying.
The current listing shows up to 20% of the home's purchase price (maximum of $150,000). Verify award ceilings, matching requirements, and allowable costs in the official notice.
California Dream For All Shared Appreciation Loan is funded by California Housing Finance Agency (CalHFA). Verify program details on the funder's official page before applying.
This opportunity targets applicants in California. If your organization operates elsewhere, check the official notice for location requirements.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
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