Dream for All

Effective March 27, 2023 Courtesy Mortgage Company is able to offer the Cal HFA “Dream for All” program to eligible First Time Home Buyers in California. This program provides 20% of the purchase price as down payment assistance. The assistance loan has no monthly payments required, no interest is charged.

Upon refinance or sale, the assistance loan must be repaid. In addition the homebuyer will be required to repay 20% of the home appreciation.


500,000 Purchase Price
400,000 Loan Amount
100,000 Assistance Loan (no payments required)

Sell for 600,000 after 5 years. Repay the 100,000. Keep 80% of the profit (80,000). Repay 20% of the profit (20,000)

This program is designed to promote Affordable Housing. To help Californians get into homes at comfortable payments.


800,000 Purchase Price
640,000 Loan Amount

3,992 Principal and Interest Payment
833 Property Tax
125 Home Insurance

4,951 Sub Total

In comparison to FHA loan with 3.5% down payment or Conventional Loan with 5% down payment, monthly payments come out quite a bit lower on the Dream for All Program.

Our Loan Officers each have 20+ years of experience originating loans in California and are trained and ready to discuss this new program with you. Give us a call at (619) 296-5881 or fill out the Quick Quote with contact information.

This program is not expected to last long. Allocated funds are likely to be depleted relatively quickly. To reserve funds you will need a pre-approval and a fully executed purchase agreement. We can issue pre-approval same day upon request.