San Mateo County EDPAP (Employee Down Payment Assistance Program)
Deferred second loan · New construction · Income limits
Single-family (1-2 unit), conventional condominium, townhome, PUD
See details Jun 2026
Down payment assistance · California
Buying a home in San Mateo County, CA
1 county-wide program, 2 cities with their own, plus 43 statewide and 62 nationwide.San Mateo has 1 program that covers the whole county and 2 cities with a program of their own. On top of those, 43 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in San MateoAnywhere in San Mateo County
1 program for every San Mateo address1 program that covers every San Mateo address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in San Mateo, South San Francisco or Daly City can use it. It is for first-time homebuyers and ask for a homebuyer class.
Only inside city limits
2 cities with their own program2 San Mateo cities with their own program
For a home inside that city, on top of the county-wide 1.A city program is for a home inside that city. Buying there? It sits on top of the 1 county-wide program above.
The San Mateo marketThe San Mateo housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in San Mateo
- 55.3% single-familysingle-family
- 8.7% townhousetownhouse
- 6% 2–4 units2–4 units
- 28.7% 5+ unitscondo & apartment buildings (5+ units)
- 1.3% mobile & othermobile home & other
Condos count. The one county-wide program and all 2 city programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When San Mateo’s homes were built
pre-19401970s2020+
72.5%
of San Mateo homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$200,800
HUD area median income, 4 people (FY2026)HUD area median income, San Mateo County, 4-person household (FY2026)
$158,855
Median household income (ACS 2024 5-year)Median household income in San Mateo (Census ACS 2024 5-year)
58.5%
of occupied homes are owner-occupied (California: 55.9%)
The two income figures measure different things. HUD’s area median income is the one programs use. 43 of the 108 programs here set their income limit as a share of San Mateo County’s area median income, adjusted for household size. See the published limits for San Mateo County
Free help in San MateoFree help in San Mateo
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in San Mateo County
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in San Mateo County.
28 cities and placesA to Z
All cities in San Mateo CountyAll 28 cities and places in San Mateo County
has a program of its own
- Atherton
- Belmont
- Brisbane
- Broadmoor
- Burlingame
- Colma
- Daly City
- East Palo Alto
- El Granada
- Emerald Lake Hills
- Foster City
- Half Moon Bay
- Highlands-Baywood Park
- Hillsborough
- Ladera
- Menlo Park
- Millbrae
- Montara
- Moss Beach
- Pacifica
- Portola Valley
- Redwood City
- San Bruno
- San Carlos
- San Mateo
- South San Francisco
- West Menlo Park
- Woodside
San Mateo questions
Can I use a county program anywhere in San Mateo?
The 1 county-wide program cover homes anywhere in the county. City programs, like San Mateo’s and South San Francisco’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in San Mateo County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do San Mateo programs accept condos?
The one county-wide program and all 2 city programs list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in San Mateo?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in San Mateo County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.