iCloud doesn't save Applications.
I think we need to make a distinction between:
1. iCloud as a means of syncing the following - to all Macs and iDevices signed into it: Mail, Contacts, Calendars, Reminders, Safari, Notes, Keychain etc
2. iCloud Drive, which is part of iCloud and is the place you put your documents, files, PowerPoint presentations and so on.
3. Photos, also now part of iCloud; but which needs to be "switched on" via the Photos App (Photos > Preferences > iCloud. Here you will find 3 ways of saving or sharing photos. The text associated with each option is reasonably self-explanatory).
I hope this helps. If I've not been clear enough, please come back.
Ian