CalHFA & Dream For All — Presto Home Loans

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Your 90 days start the day your voucher arrives. CalHFA closed the application portal March 16, 2026, and is notifying selected, waitlisted, and not-selected applicants through the DFA Portal. Once your voucher lands: 90 days to find a home, execute a purchase contract, and have a CalHFA-approved lender reserve funds in MAS. One 90-day extension is available. Presto is already approved. Getting pre-approved now means nothing stands between your voucher and a reserved loan.

How it works

Four steps.
Your keys in 90 days.

01

Get Pre-Approved Now

Don't wait for your voucher. Get pre-approved with Presto today so you're ready to move the moment CalHFA announces results. Pre-approval is free and takes no time.

02

Voucher Arrives

CalHFA notifies you through the portal and email. Your 90-day clock starts. Presto is already prepared — no delays, no learning curve.

03

Find Your Home

Presto guides you through the full transaction — one trusted team from pre-approval to close.

04

Close With Presto's Speed

Presto's fast-close process means you use less of your 90-day window on the loan — and more time finding the right home for your family.

Eligibility

Do you qualify?

First-generation homebuyer (you — and your parent/legal guardian, if living — have never owned a home), or a first-time homebuyer who was in foster care
Household income at or below 120% of Area Median Income
Property must be in California and be your primary residence
Must use CalHFA's Dream For All Conventional first mortgage (Presto offers this)
Minimum credit score: 680 (conventional first mortgage only — Dream For All does not pair with FHA)
Must complete 8-hour homebuyer education course
Voucher received from the March 2026 lottery or waitlist

The Shared Appreciation Agreement

Dream For All is a shared appreciation loan. When you sell, transfer title, refinance, or reach 30-year loan maturity, you repay the assistance plus a share of your home's appreciation on the funded portion — 15% if your household income was at or below 80% of Area Median Income, 20% above that. No monthly payments on the assistance. No interest. Just the assistance plus your appreciation share at exit. Program details verified against CalHFA's current program page, August 31, 2026 — always confirm your exact terms with CalHFA directly.

Check My Eligibility →

Don't leave without this

Your voucher is coming.
Get positioned now.

CalHFA is distributing vouchers now. The moment yours arrives, a 90-day countdown begins. The borrowers who win already have their lender, pre-approval, and game plan in place.

90 Days to find & execute purchase contract

+90 One extension — not guaranteed

$0 Cost to get pre-positioned with Presto today

Voucher arrives — 90-day clock starts immediately
You need a CalHFA-approved lender already in your corner
Pre-approval takes days — don't start that process after the voucher lands
Presto pre-positions you now so you can move in hours, not weeks

Free · No Obligation · No Credit Pull

Reserve Your Spot
with Presto

Tell us where you are. We'll reach out within 24 hours — usually much sooner.

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Sophie will text you within minutes to confirm your spot and answer quick questions.

By submitting you agree to be contacted via SMS and phone. We don't sell your info.

Why Presto

We don't learn CalHFA when you call.
We already know it.

Already Approved

Presto Home Loans is a CalHFA-approved lender. When your voucher arrives, we don't need to apply — we move directly to your file.

SF DALP Authority

Presto is also approved for the San Francisco Down Payment Assistance Loan Program — one of the hardest approvals in NorCal mortgage.

30 Years of Hard Loans

CalHFA loans have layered requirements. Mariane has been navigating complex loan structures for 30 years. She handles this in her sleep.

Common Questions

CalHFA FAQ

The Dream For All application portal closed March 16, 2026. New applications are not being accepted. However, vouchers are currently being distributed to approved applicants and waitlist participants. If you applied before the deadline, contact Presto — we'll help you navigate your status.

When you sell, transfer title, refinance, or reach 30-year maturity, you repay the Dream For All assistance plus a share of your home's appreciation on the funded portion — 15% if your household income was at or below 80% of Area Median Income at the time of your loan, 20% if above. There are no monthly payments and no interest on the assistance itself. Example: if your home appreciates $100K and Dream For All funded $50K of your purchase (50%), you'd owe the original assistance plus either 15% or 20% of your proportional appreciation at exit, depending on your income tier.

No — Dream For All pairs only with CalHFA's Dream For All Conventional first mortgage, with a minimum credit score of 680. If FHA is a better fit for your profile, Presto can walk you through CalHFA's other first-mortgage programs, but the Dream For All down payment assistance itself requires the conventional pairing.

You can request one 90-day extension from CalHFA. Extensions are not guaranteed but are generally granted for good-faith situations — active purchase contracts, appraisal delays, etc. Presto's fast-close process is specifically designed to avoid needing an extension. We front-load the work so you're not racing at the end.

Yes — Dream For All is for first-time homebuyers, defined as anyone who has not owned and occupied a primary residence in the previous three years. You are eligible even if you previously owned a home, as long as three years have passed.

Your 90-day clock is running.

The best thing you can do right now is get pre-approved. Free. No credit pull. Presto is ready to move the moment your voucher arrives.

Start My Pre-Approval →

Up to $150,000in down payment help.Presto gets you there.

Four steps.Your keys in 90 days.