California is advancing a bill that would offer zero-down payment mortgages to illegal immigrants, sparking frustration among taxpayers. AB 1840, introduced by Assemblymember Joaquin Arambula (D), would allow illegal immigrants to qualify for the California Dream for All Shared Appreciation Loan program. This program offers loans covering up to 20% of a home’s purchase price, with no monthly payments or interest required. Critics argue that the bill puts the needs of non-citizens above those of American citizens who are struggling to afford homes in an increasingly expensive market.
The program’s structure allows borrowers to repay the loan only when the home is sold or refinanced, making it especially appealing to those who may lack traditional access to credit. San Diego County Supervisor Jim Desmond criticized the bill, stating that California’s $60 billion budget deficit should be a reason to prioritize citizens, not illegal immigrants. He argued that legal residents and taxpayers should come first in any state-funded assistance programs.
Proponents claim that expanding homeownership opportunities to all residents, regardless of citizenship status, promotes fairness and inclusivity. Arambula believes that everyone should benefit from the economic and social advantages of owning a home. However, opponents counter that this program unjustly prioritizes illegal immigrants over Americans who have played by the rules.
The bill has passed the Senate Appropriations Committee and is expected to pass the full Senate given the Democratic supermajority. If implemented, the program could become a model for other states, further intensifying the debate over who deserves priority in taxpayer-funded programs.
As the conversation continues, many citizens feel increasingly marginalized by policies that seem to favor non-citizens over hardworking Americans.
