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Get Pre-Approved →
90
CalHFA Dream For All

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

The Dream For All portal closed March 16, 2026. Vouchers are being distributed now. If you received one — or you're on the waitlist — your 90-day clock is running. Presto is CalHFA-approved and ready to move.

Check Your CalHFA Readiness → How It Works ↓
$150K
Max down payment assistance
90
Days to close once voucher received
20%
Shared appreciation on resale
✓
Presto is CalHFA approved
⏱

The window is open — not closing. CalHFA closed the application portal March 16, 2026. Vouchers are being distributed now. When yours arrives: 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. Every day you wait without a pre-approval is a day of your 90 wasted.

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

With Mariane's dual broker license, Presto can assist on the real estate transaction too — one trusted advisor from search 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-time homebuyer (or not owned a home in 3 years)
  • Household income at or below 120% of Area Median Income
  • Property must be in California and be your primary residence
  • Must use a CalHFA-approved first mortgage (Presto offers these)
  • Minimum credit score: 680 (conventional) or 660 (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 or refinance, CalHFA receives 20% of the appreciation on the Dream For All assistance amount. No monthly payments on the assistance. No interest. Just shared appreciation at exit.

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.

💬

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.

✓
CalHFA Approved LenderNMLS #1499621
🏙
SF DALP AuthorizedOne of NorCal's hardest approvals
★
30 Years in CA MortgagesMariane Leyson, Broker/Owner
⚡
Speed Close TrackBuilt for 90-day windows
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 eventually sell or refinance, CalHFA receives 20% of the appreciation on the portion funded by Dream For All. There are no monthly payments and no interest on the assistance. Example: if your home appreciates $100K and Dream For All funded $50K of your purchase, CalHFA receives 20% of the proportional appreciation at exit.
Yes. Dream For All can be paired with CalHFA's FHA first mortgage or CalHFA's conventional first mortgage. The minimum credit score for FHA is 660; for conventional it's 680. Presto will help you identify which first mortgage option is best for your profile.
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 →