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SF MOHCD Downpayment Assistance Loan Program (DALP)

SF Mayor's Office of Housing and Community Development (MOHCD)

active down-payment-assistance

About This Program

SF MOHCD's DALP provides substantial down payment assistance loans to first-time homebuyers purchasing a primary residence in San Francisco. The deferred loan requires no monthly payments and is repaid with a share of appreciation upon sale. Loan amounts are based on income, with lower-income buyers receiving more assistance.

Deferred loan with appreciation share at repayment; amount varies by income tier

Key Details

  • Down payment assistance loans up to $375,000 for SF first-time buyers
  • Deferred — no monthly payments; repaid at sale with appreciation share
  • Income limit: 175% of Area Median Income
  • Lottery-based when oversubscribed
  • Contact MOHCD at (628) 652-7550

How to Apply

Deadline: Rolling — subject to lottery when oversubscribed

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