The Department of Housing and Community Development administers State and Federal housing and community development loan and grant programs.

California Housing Finance Agency

CalHFA supports the needs of renters and homebuyers by providing financing and programs so more low and moderate-income Californians have a place to call home. Its Single-Family Division provides first mortgage loans and down payment assistance to first-time homebuyers.

• The Dream For All Shared Appreciation Loan is a down payment assistance program for first-time homebuyers to be used in conjunction with the Dream For All Conventional first mortgage for down payment and/or closing costs. Upon sale or transfer of the home, the homebuyer repays the original down payment loan, plus a share of the appreciation in the value of the home.

Department of Fair Employment and Housing

The Department of Fair Employment and Housing is the largest state civil rights agency in the country. The Department investigates, mediates and p…