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The California Dream For All Shared Appreciation Loan program helps with down payments and closing costs.

Stunning painted murals and electrical boxes adorn the streets of Fort Collins, but where do they come from? The Art in Public Places program has been operating since 1995 with the sole intent of providing art to the community in order to improve the quality of life of the residents of Fort Collins. Ad

Gov. Newsom wants to spend $300 million the first year, which could help about 2,300 buyers. But home prices are falling and mortgage rates are rising, complicating the launch.

Gov. Newsom wants to spend $300 million the first year, which could help about 2,300 buyers. But home prices are falling and mortgage rates are rising, complicating the launch.

The complicated program involves the state paying some or all of the upfront costs for buying a home — the down payment, for instance — in exchange for a share in the home’s value when it is sold, refinanced or transferred.