The California Dream For All Shared Appreciation loan program is being relaunched with changes to make it more accessible. The program will now use a lottery system to select recipients and has implemented new eligibility requirements. The loans cover down payment and closing costs on first homes, offering a maximum of either $150,000 or 20% of the home’s price. Successful recipients repay their original down payment without interest, as well as part of the property’s appreciated value if they decide to sell.