SF Mayor's Office of Housing and Community Development (MOHCD)
SF MOHCD Downpayment Assistance Loan Program (DALP) is available in San Francisco, CA.
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
Official source site checked live on 2026-06-22.
Data last verified 2026-04-03. How we verify our data.
In San Francisco, CA, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in San Francisco, CA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.
Documents you will likely need
Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Rolling, subject to lottery when oversubscribed
Ask us. It is free, and a real person answers within a business day.
Email us about this programUp to $375,000 deferred loan (income-dependent).
Apply directly with SF Mayor's Office of Housing and Community Development (MOHCD) using the official program link on this page or call 628-652-7550. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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