San Mateo County EDPAP (Employee Down Payment Assistance Program)
Deferred second loan · New construction · Income limits
Down payment assistance · San Mateo County
Buying a home in Emerald Lake Hills, CA
1 county program and 54 statewide.Emerald Lake Hills has no program of its own, 1 across San Mateo County, and 54 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Emerald Lake Hills
No program of Emerald Lake Hills’s own yet
No program run for Emerald Lake Hills alone is listed. A home in Emerald Lake Hills can use San Mateo County’s programs below, plus the California statewide and federal ones.
The closest city that runs its own program is Palo Alto, about 7 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in San MateoAnywhere in San Mateo County
1 county program1 county program a Emerald Lake Hills homebuyer can use
2 more programs are for homes in San Mateo and South San Francisco. See them 2 programs in neighboring cities — for homes inside those cities, not Emerald Lake Hills
- San Mateo — City of San Mateo Down Payment Assistance Loan Program
- South San Francisco — City of South San Francisco Down Payment Assistance
The Emerald Lake Hills marketThe Emerald Lake Hills housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Emerald Lake Hills
- 99.4% single-familysingle-family
- 0.6% townhousetownhouse
- 0% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. Emerald Lake Hills’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Emerald Lake Hills’s homes were built
pre-19401970s2020+
42%
of Emerald Lake Hills 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
County area median income, 4 people (HUD)HUD area median income, San Mateo County, 4-person household (2026)
$250,001
Emerald Lake Hills median household incomeMedian household income in Emerald Lake Hills (Census, 2024)
50 of the 117 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 nearbyFree help near Emerald Lake Hills
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Emerald Lake Hills’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.San Mateo County EDPAP (Employee Down Payment Assistance Program) asks 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.
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Across California and nationwide
116 statewide & federal programs54 statewide programs, plus federal options
Emerald Lake Hills questions
Does Emerald Lake Hills have its own down payment program?
No program run for Emerald Lake Hills alone is listed. A home in Emerald Lake Hills can use the 1 program that cover San Mateo County and the 54 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Emerald Lake Hills?
Emerald Lake Hills’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in San Mateo County?
Each program sets its own. 50 of the programs here set theirs as a share of HUD’s area median income for San Mateo County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Emerald Lake Hills?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Nearby in San Mateo
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.