California Dream For All

California Dream For All是面向California购房者的增值共享贷款。 The California Dream For All Shared Appreciation Loan provides up to 20% of the home's purchase price (maximum $150,000) for down payment assistance. At repayment, borrowers share a portion of the home's appreciation with CalHFA. At least one borrower must be a first-generation homebuyer. The program is available statewide through CalHFA-approved lenders. Up to 20% of home purchase price (max $150,000) for down payment. 0% interest with no monthly payments. repayment only upon sale, transfer, or payoff of first mortgage. shared appreciation based on income level (0.75:1 ratio for borrowers at or below 80% AMI. 1:1 ratio for borrowers above 80% AMI up to income limit). available statewide through CalHFA-approved lenders. selected via lottery system. 资金来自State。

California Dream For All提供最高$150,000的援助。 援助档次“Standard - Shared Appreciation”——最高$150,000。 适用对象：First-generation homebuyer; CalHFA income limits apply; lottery selection during open enrollment。 该项目可与其他援助结合使用，但须遵守各项目的规定。 金额是该项目公布的上限，并非报价——具体每人的援助金额由管理该项目的机构决定。

California Dream For All是增值共享贷款，按管理该项目的机构设定的条款偿还。 触发还款的情形：Sale、Transfer of Title和Maturity Date。 该援助以2nd Lien顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

California Dream For All面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 该项目列出的最低信用分数为660。 须参加购房者教育课程，由HUD-approved homebuyer education required; CalHFA-approved counseling agencies提供。 居住要求：State Resident。 公民身份或移民身份：U.S. Citizen or Permanent Resident。 At least one borrower must be a first-generation homebuyer (neither borrower nor their parents have ever owned a home, OR parents lost home through foreclosure/short sale). Program is lottery-based when oversubscribed; applications accepted during open enrollment windows only.

California Dream For All将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Income limits vary by county per CalHFA guidelines. Combined household income must not exceed the CalHFA Income Limit for the county of purchase. Limits range from approximately $148,000 in rural counties to over $300,000 in high-cost counties like Santa Clara. 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

California Dream For All的房价上限如下：Must not exceed county high balance conforming loan limit. Limits vary by county (e.g., $806,500 in most counties; higher in high-cost counties). 符合条件的房屋类型包括Single Family、Condo、Townhouse和Manufactured Home。 预制房屋符合条件。

California Dream For All在其服务群体中提到了第一代购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

California Dream For All服务于在California任何地方购房的购房者。

California Dream For All的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Lottery预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。