Dream For All Is Currently Closed — But You May Still Qualify for Other Options
Many buyers were waiting for Dream For All… but there are still ways to buy a home in California with low down payment options.
The key is knowing what you qualify for.
The California Dream For All program created a lot of excitement because it helped buyers with down payment funds.
While that specific program is not currently available, many buyers don’t realize there are still other options that may help reduce the upfront cash needed to purchase a home.
Depending on your situation, you may still qualify for:
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Low down payment conventional loans (as little as 3–5%)
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FHA financing with flexible guidelines
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VA loans for eligible buyers
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Down payment assistance programs through state, local, and private sources
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Grant and second-loan assistance options
The biggest mistake most buyers make is waiting for one specific program instead of understanding all available options.
Instead of waiting, the better move is to get pre-approved and understand:
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What you can afford
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How much cash you actually need
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Which programs you qualify for
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How to structure your purchase
That way, you’re ready when the right opportunity comes — including when new programs open again.
Applying online takes just a few minutes and allows us to review your options and build a clear plan.
What Happens Next
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Complete a quick application
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We review your income, credit, and eligibility
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We identify assistance programs that may fit
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We map out your total cash needed and payment
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You receive a pre-approval and next-step strategy
See What You Qualify For
If you’re thinking about buying a home in California but concerned about the down payment, this is the best place to start.
Find out more about any of these, click here: Pre-Approval in California, VA Home Loans, Dream for All.
Why Get Pre-Approved With Us?
We specialize in California down payment assistance programs and have extensive experience helping buyers navigate options like CalHFA, GSFA, and other approved solutions.
Our team focuses on structuring strong, competitive offers by aligning the right loan strategy with your financial profile — helping you move confidently when the right home comes along.
We stay current on program guidelines, availability, and changes so you always receive accurate, up-to-date information.
What About Dream For All?
The CalHFA Dream For All program created a lot of opportunity for buyers, but it is currently closed.
However, that does not mean you’re out of options.
Many buyers may still qualify for alternative programs that can reduce upfront costs or lower the down payment required.
The key is understanding what you qualify for now — and being prepared when new programs become available again.
How to Get Started
STEP 1 — Complete Your Online Application
Start by submitting a quick online application so we can review your scenario.
If your credit is frozen, please unfreeze it so we can run a soft credit check (this does not impact your score).
STEP 2 — Upload Your Income Documents
Once your application is submitted, you’ll be prompted to upload your documents, which may include:
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Past 2 years W2s
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Most recent 30 days of paystubs
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Additional documents if self-employed or 1099 income
STEP 3 — Review Your Options
We will analyze your application and determine:
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What loan programs you qualify for
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Whether down payment assistance options may apply
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Your estimated purchase range and payment
STEP 4 — Receive Your Pre-Approval
Once your file is complete, you will receive your pre-approval along with a clear breakdown of your next steps.
Our team will reach out if anything additional is needed.
STEP 5 — Be Ready to Move
With your pre-approval in place, you’ll be positioned to:
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Start your home search with confidence
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Submit stronger offers
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Be ready if new assistance programs open
See What You Qualify For
The best way to move forward is to understand your options now.
Real estate investors use DSCR loans throughout many of the most active investment markets in the United States including:
Texas
Florida
Arizona
Nevada
Tennessee
Colorado
Washington
Oregon
Idaho
These markets continue attracting investors due to strong population growth and increasing demand for rental housing.
Get Started
If you are exploring financing options for an investment property, I can walk you through DSCR loan options and investor scenarios.
Also for our full suite of NONQM and Self Employed Loan Programs for buyers and investors, CLICK HERE
DSCR Loan Markets We Serve
Real estate investors frequently use DSCR loans across many of the fastest growing rental property markets in the United States.
Explore DSCR financing options in the following markets:
TexasFloridaArizonaNevadaTennesseeColoradoWashingtonOregonIdaho
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