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Friday 03 July 2026 08:46:44 GMT

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More down payment assistance money could be coming for California first-time homebuyers. This November, voters may decide whether California should add billions more to help qualified buyers afford a down payment and get into a home. Earlier this year, the Dream For All lottery opened again, giving qualified California buyers a chance to receive up to 20% down payment assistance, capped at $150,000. That can be a huge help because putting more money down can lower the monthly payment and may help buyers avoid mortgage insurance. But the biggest problem with programs like this is funding. Not everyone who applies gets selected because there is only so much money available. Now there is a new proposal on the November 2026 ballot that could authorize up to $25 billion in revenue bonds for a CalHFA-run homebuyer assistance program. If approved, the program could help qualified buyers purchase certain new homes by combining at least 3% from the buyer with a second mortgage up to 17% of the purchase price — helping buyers get closer to 20% down. This is not active yet. Voters still have to approve it this November, and if it passes, it could start helping buyers as early as 2027. Do you think California should add more down payment assistance for first-time homebuyers? Let me know your thoughts below. This is for educational purposes only. Program details, eligibility, funding, and availability can change, so always verify with CalHFA or a qualified mortgage professional before making a decision. #CaliforniaRealEstate #FirstTimeHomeBuyer #DownPaymentAssistance

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