California offers up to $150,000 in down payment assistance through the Dream For All Shared Appreciation Loan for eligible first-time and first-generation homebuyers. The 0% interest loan requires no monthly payments and covers up to 20% of the home's price. Repayment occurs upon sale or refinance, including a share of home appreciation (15-20%). Applicants must meet income, residency, credit, and homeownership history criteria and apply via a lottery system.
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