By Tanu Henry, California Black Media 

Tiffany Duvernay-Smith went from knowing the harsh realities of homelessness to owning her first home – made possible by the California Housing Finance Agency’s (CalHFA) Dream For All program, which is reopening applications this month with up to $150,000 in down payment assistance for first-generation buyers.

“I feel like I was the least likely person,” says Duvernay-Smith, who is Coordinator for the Los Angeles Homeless Services Authority’s Lived Experience Board, a published journalist, artist and outspoken advocate for unhoused people, people living with disabilities and domestic violence survivors.

“I didn’t know my story would change from homeless to homeowner,” she added. “But if there’s a house with your name on it, nothing can stop you.”

Duvernay-Smith’s journey exemplifies the transformative potential of Dream For All, a program designed to help first-generation homebuyers across California. Applications will open on Feb. 24 and close on March 16. The program uses a random selection process to ensure equitable access, and Gov. Gavin Newsom’s office has directed that at least 10% of funds be allocated to applicants in Qualified Census Tracts—communities that have historically faced discriminatory or unfair barriers to homeownership.

For eligible participants, the program provides up to 20% of the home’s purchase price or appraised value as down payment assistance, capped at $150,000.

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CalHFA expects to make $150 million to $200 million available in 2026, potentially helping 1,000 to 1,500 families, with a total of approximately 2,000 households supported through the 2025–26 budget allocation of $300 million.

The program is particularly impactful for Black Californians, who continue to face the highest rates of homelessness across the state and significant barriers to homeownership due to decades of discriminatory housing policies and wealth inequities.

“Black Californians continue to face some of the widest homeownership gaps in the state,” says Regina Brown Wilson, Executive Director of California Black Media. “Programs like Dream For All are critical because they directly address generational inequities.”

Wilson spoke during an online news briefing on Jan. 30 that featured Eric Johnson, information officer in CalHFA’s Marketing and Communications Division, and Shonta Clark, senior loan consultant and CalHFA program educator, home counselor, and broker in Southern California.

“There are a lot of people in California with steady jobs, good incomes, and strong credit scores – but who haven’t been able to save the five or even six figures needed for a down payment on a home,” says Johnson. “That’s exactly what Dream For All is designed to address.

Eligibility requirements focus on first-generation homebuyers—those who have not owned a home in the past seven years and whose parents do not currently own one. CalHFA defines a “first-time homebuyer” as someone who has not owned and lived in their own home in the past three years. Foster youth are automatically considered first-generation homebuyers, reflecting the program’s commitment to reaching Californians who have faced systemic barriers, CalHFA says.

Applicants must work with CalHFA-approved lenders and provide standard documentation such as government-issued IDs and parental information.

Johnson encourages applicants to remain optimistic.

“Take the first step. Despite high interest rates and high prices, it is still possible to buy your first home in California. Believe in yourself and know that homeownership is meant for you,” says Johnson.

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By Post Staff

What began as Negro History Week in 1926 by author and journalist Carter G. Woodson as a way to celebrate the achievements of African Americans, the observance is now a month-long event, and nearly every day in the Bay Area, there is somewhere to honor the ancestors, our living thought leaders, artists, and activists, and prepare children for the future. Below are just a few places to go.

Lunar New Year X Black History Month 2026: Celebrating Asian & African American Solidarity

Now in its fourth year, the Oakland Asian Cultural Center rolls out its biggest event, featuring lion dancers, drummers, performers, arts & crafts, a Kids + Teens Zone curated by Storyland Collective, a marketplace of local artisans, and free admission for all ages! This event is part of OACC’s ongoing Open E.A.R.S. for Change initiative, launched in 2020 to build stronger relationships between local APIA and Black communities. SambaFunk closes out the day at 3:15 and the Bantaba Drum Call and Comrade Lover Lion Dancers perform shortly after story time for young children at noon. Register for free tickets. https://oacc.liveimpact.org/li/8737/sevent/evt/home/294475/69

Oakland Asian Cultural Center
388 Ninth St. Suite 290
Oakland, CA
Feb. 7, 11 a.m.- 4 p.m.

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DIY: Black Culture Bookmark Making

Go to the Golden Gate Branch of the Oakland Public Library for small-scale collaging at this Black-themed make-your-own-bookmarks session.

Bring: Your vision, creativity, and, if you like, wallet-sized photos or images of your favorite Black heroes or family members.

We’ll supply the cardstock paper, African diaspora designs, artwork, images, lettering, glue, scissors, and laminating. This session is suitable for adults and seniors.

Golden Gate Library
5609 San Pablo Ave.
Oakland, CA,
Feb. 11, 5:30-7 p.m.

Oakland Black Cowboy Association Shares Love of the Ride

Celebrate the history, culture, and living legacy of Black cowboys at the Black Cowboy Academy. It will be an interactive day of lasso lessons, pony grooming with real live ponies, and meet and greets with actual cowboys! Fairyland joins hands and hearts with the Oakland Black Cowboy Association and the Metropolitan Horsemen’s Association this Valentine’s Day for an immersive event of learning and love. Included with general admission.

Children’s Fairyland
699 Bellevue Ave.
Sat., Feb. 14, 10 a.m.- 1 p.m.

Love Stories for Black History Month

At the Berkeley Public Library, a children’s book fair “Valentine to Black Stories” will feature some of your favorite Black authors of children’s books!

Come celebrate love, Black authors, and Black stories at this special children’s book fair. They will have free books, crafts and special presentations from Bay Area Black authors.Festivities will feature a collage workshop led by Oakland artist  Chanel London of Hella Artsy. Participants will be invited to make collage portraits inspired by artist Derrick Barnes.

Berkeley Central Public Library
2090 Kittredge St. Berkeley, CA
Sat. Feb. 14, 1- 4 p.m.

The Black Child Book Fair (BCBF) from Chicago to Oakland, CA- Book Signing Event

BCBF began in Chicago in 2009 through the vision and experience of author and poet Darryl Harvey. Harvey’s vision brings extraordinary children’s book authors together to close the great need for black representation in children’s books. Engage with authors, participate in story time and fun activities.

Oakland African American Museum and Library
859 14^th St., Oakland CA
Sat. Feb. 21, 12-5 p.m.

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For many pregnant people, pregnancy brings a mix of both joy and uncertainty. Alongside excitement, there are questions about finding the right doctor, understanding what care is covered, and knowing where to turn for support after the baby arrives. For Black families in Alameda and San Francisco counties those questions are often compounded by long-standing disparities in maternal health outcomes.

Across California, including Alameda and San Francisco counties,  Medi-Cal is working to address those concerns by expanding and coordinating maternal health services so pregnant and postpartum people receive care that is respectful, comprehensive, and easier to navigate. From the first prenatal visit through a child’s first birthday, Medi-Cal provides coverage and support designed to protect both parent and baby.

These services are available to people who qualify for Medi-Cal. In California, eligibility is based primarily on income, household size, age, pregnancy status, disability, or other qualifying circumstances. Pregnant people qualify at higher income levels than non-pregnant adults and remain eligible through pregnancy and for 12 months after the pregnancy ends.

Importantly, pregnant people who qualify for Medi-Cal are eligible for full-scope coverage regardless of immigration status, including medical, behavioral health, dental, and vision services during pregnancy and the postpartum year.

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A Clearer Path Through Pregnancy: The Birthing Care Pathway

The Birthing Care Pathway helps pregnant people understand what care they should receive and when, while supporting providers in delivering coordinated, culturally responsive services. It outlines key steps during pregnancy, including prenatal screenings, behavioral health check-ins, nutrition support, and preparation for labor and delivery.

For Black pregnant and postpartum people in Alameda and San Francisco counties the pathway emphasizes early prenatal care, shared decision-making, and connections to community-based programs that address medical needs and social drivers of health.

Doula Services: Support Before, During, and After Birth

Medi-Cal covers doula services for pregnant and postpartum members who qualify. Doulas provide non-medical emotional support, education, and advocacy during pregnancy, labor and delivery, and postpartum recovery. Research shows doula care is associated with reduced stress, improved birth outcomes, and increased breastfeeding success.

Covered doula services include prenatal visits, support during labor and delivery, and postpartum follow-up visits, in accordance with Medi-Cal benefit guidelines.

Care That Continues After Birth: The Postpartum Pathway

More than half of pregnancy-related deaths in California occur after childbirth, with Black families facing the greatest risks. The Postpartum Pathway defines the care pregnant and postpartum people who qualify for Medi-Cal should receive during the first year after birth.

The Pathway promotes a comprehensive postpartum visit within 12 weeks, ongoing primary care through 12 months postpartum, screening and treatment for postpartum depression and anxiety, breastfeeding support, chronic condition management, and referrals to community-based services.

Mental Health, Dental, and Vision Care Included

Medi-Cal covers perinatal behavioral health services for eligible members, including screening, therapy, counseling, and medication management when medically necessary. Services may be provided in person or through telehealth.

Pregnant and postpartum people who qualify for Medi-Cal also receive full dental benefits, including exams, cleanings, and medically necessary treatment, as well as vision care such as eye exams and eyeglasses.

Community Supports Through CalAIM

CalAIM (California Advancing and Innovating Medi-Cal) is a statewide initiative that strengthens Medi-Cal by improving care coordination and addressing health-related social needs.

Through CalAIM, eligible Medi-Cal members in Alameda and San Francisco counties may receive Community Supports such as transitional housing assistance, medically tailored meals, and help navigating social services.

How to Contact Medi-Cal in Alameda and San Francisco Counties

Pregnant and postpartum people who meet Medi-Cal eligibility requirements can get help enrolling, choosing a health plan, finding providers, or accessing doula and postpartum services by contacting the Alameda County Medi-Cal office at (510) 795-2428 or the San Francisco Medi-Cal office at (855) 355-5757 or calling the number on their Medi-Cal card.

Support at Every Step

Pregnancy and postpartum care should be clear, compassionate, and complete. Through the Birthing Care Pathway, Postpartum Pathway, doula services, behavioral health care, Black Infant Health, and Community Supports, Medi-Cal is working to ensure that eligible families in Alameda and San Francisco counties — especially Black Californians — receive the care and support they need to stay healthy and give their babies a strong start.

Ready to Learn More or Get Started?

Pregnant and postpartum people in Alameda and San Francisco counties can learn more about Medi-Cal benefits, enroll in coverage, or get help finding providers by contacting the Alameda County Medi-Cal office or San Francisco County Medi-Cal office or calling the number on their Medi-Cal card. Trained representatives can explain eligibility, available services, and next steps.

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