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San Francisco Federal Credit Union POPPYLoan

Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano, Sonoma, California

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What is San Francisco Federal Credit Union POPPYLoan?

San Francisco Federal Credit Union POPPYLoan is a first mortgage for homebuyers in Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano, Sonoma, California.

  • First mortgage compatibility subject to participating lender specifications. Borrower contribution required for closing costs. First-time homebuyer status not required. Employment in San Francisco or San Mateo County required.
  • Up to 100% financing 0%-down 1st mortgage.
  • 5/1 ARM amortized over 30 years.
  • lender-determined interest rate.
  • min 700 credit score.
  • closing cost contribution required.

Do you have to pay it back?

San Francisco Federal Credit Union POPPYLoan is a first mortgage and is repaid under the terms set by the administering agency.

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

San Francisco Federal Credit Union POPPYLoan is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • On credit: To qualify for a POPPYLoan, your credit score must be in the excellent or very good range. This means a minimum score of about 700.
  • A completed homebuyer education course, through HUD-approved housing counseling required for most CA DPA programs
  • Sourced from Homebuyer Wallet (CA260085). Employment in San Francisco or San Mateo County required. Verify with provider before lender use.

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What kind of home can it be used for?

San Francisco Federal Credit Union POPPYLoan can be used for Single-family, Condo, Townhouse.

Where does it apply?

San Francisco Federal Credit Union POPPYLoan serves buyers purchasing in Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano, Sonoma, California.

How do you apply?

Applications for San Francisco Federal Credit Union POPPYLoan go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through HUD-approved housing counseling required for most CA DPA programs.

  2. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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San Francisco Federal Credit Union POPPYLoan, explained

A short, free course on San Francisco Federal Credit Union POPPYLoan: what it is, who it is for, what the program sets and what your lender sets, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

5 modules · About 10 minutes

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