ForgivableSan Francisco · San Francisco County
Mayor's Office of Housing and Community Development (MOHCD) Teacher Next Door Program
Forgivable loan
Names: teachers · Homebuyer class required
See details →Programs by situationPrograms by situation · California
Down payment assistance for teachers and school staff in California
8 programs name teachers and school staff: 6 city, 2 statewide.8 programs in California name teachers and school staff among the groups they serve: 6 run by a city and 2 open statewide.
Naming a group is one eligibility rule among several. Each program also sets an income limit, a price cap, an occupancy rule and a credit requirement. Being a teacher puts a program on this list; it does not decide whether you can use it.Each program below also sets its own income limit, purchase price cap, occupancy rule and credit requirement. Being a teacher gets a program onto this list; it does not decide whether you can use it.
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The 8 programs, closest first
From one city out to the whole state
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in California. Listed A–Z within each group, not ranked.
In a California city 6 programs
For homes inside that city’s limits onlyUp to $500,000San Francisco · San Francisco County
San Francisco Educators DALP (Educators Downpayment Assistance Loan Program)
Shared-appreciation loan · First-time homebuyers · Income limit 200% of area median income
Names: teachers · Homebuyer class required
See details →DeferredSan Pablo · Contra Costa County
San Pablo Economic Development Corporation San Pablo Loan Assistance for Sustainable Housing
Deferred second loan · First-time homebuyers · Income limit 80% of area median income
Names: veterans, active-duty service members, reservists, teachers and first responders · Homebuyer class required
See details →Up to $40,000San Diego · San Diego County
SDHC H.O.P.E. Teacher Grant (San Diego & Poway USD)
Assistance grant · First-time homebuyers · Income limit 160% of area median income
Names: teachers · Homebuyer class required
See details →GrantSan Diego · San Diego County
Urban League of San Diego County HOPE Teacher Housing Grant Program
Assistance grant · First-time homebuyers · Income limit 160% of area median income
Names: teachers · Homebuyer class required
See details →GrantLos Angeles · Los Angeles County
USC Faculty & Staff Housing Program (FSH) One-Time Subsidy
Assistance grant
Names: teachers · No homebuyer class in the record
See details →Anywhere in California 2 programs
Can sit alongside a city or county program where both allow itDeferred
CalHFA School Teacher and Employee Assistance Program (STEAP)
Deferred second loan · First-time homebuyers · Income limit 120% of area median income
Names: teachers · Homebuyer class required
See details →Deferred
CalSTRS CalPATH Teacher Home Loan and DPA - California
Deferred second loan · First-time homebuyers
Names: teachers · Homebuyer class required
See details →Nationwide 2 programs · not in the 8
Nationwide: 2 more, not in the 82 nationwide programs that also name teachers and school staff, each with its own area and eligibility rules
What to know
What the 8 records say
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
- 7 of 8
ask for a homebuyer education class.
- 6 of 8
are limited to first-time homebuyers, as each program defines it.
- 8 of 8
name an FHA, VA, USDA or conventional loan they can be paired with.
Free help in CaliforniaFree help in California
95 HUD-approved counseling agencies in California95 HUD-approved housing counseling agencies in California
7 of 8 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through every rule a program sets.7 of 8 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through every rule a program sets, including the ones that have nothing to do with being a teacher. Create a free account to see who’s near you.
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More of California’s programs
Questions, answered
Does being a teacher mean I can use these programs?
No. These programs name teachers and school staff in their eligibility rules, which is why they are grouped here, but every program also sets income limits, purchase price caps, credit and occupancy requirements. Membership in a group is one rule among several.
Why are nationwide programs listed separately?
A nationwide program is not one of California’s own, so it is listed below the 8 California programs and not counted in them. Each one sets its own area and eligibility rules; its page has the details.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
Programs and counts: Hey Prescott program records, each verified with its administering agency (June–July 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.