Controversial Bill Would Provide Zero-Down Mortgages To Illegal Immigrants In California

A bill advancing in the California legislature could offer illegal immigrants state-funded down payment assistance, drawing criticism from citizens struggling to afford homes. AB 1840, proposed by Assemblymember Joaquin Arambula (D), would amend the California Dream for All Shared Appreciation Loan program to provide up to 20% of a home’s purchase price as a loan for illegal aliens. Critics argue that this prioritizes non-citizens while many Americans face rising housing costs without similar support.

With a budget deficit of $60 billion, many taxpayers question the wisdom of allocating funds to benefit illegal immigrants over struggling citizens. San Diego County Supervisor Jim Desmond called the bill fiscally reckless, stating that legal residents should be prioritized when distributing limited resources. The bill’s structure allows borrowers to avoid monthly payments and interest, repaying the loan only when the home is sold or refinanced—an attractive deal for those who entered the country illegally.

Proponents argue that the bill promotes inclusivity and economic fairness, making homeownership accessible to all residents. Arambula emphasized that everyone should benefit from the social and economic advantages of owning a home. However, opponents maintain that it is unjust to extend taxpayer-funded programs to illegal immigrants while leaving many law-abiding citizens to struggle.

The Senate Appropriations Committee passed the bill along party lines, moving it closer to a full Senate vote. If it becomes law, it could exacerbate tensions in a state already divided over its approach to immigration and housing policy.