Shared-appreciation loan
San Francisco DALP (Downpayment Assistance Loan Program)
First-time homebuyers · New construction · Income limits · Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
Down payment assistance · San Francisco County
Buying a home in San Francisco, CA
11 San Francisco programs, 1 county program and 54 statewide.San Francisco has 11 programs of its own, 1 more across San Francisco 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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Only for San Francisco addresses
San Francisco’s own programs
Shared-appreciation loan
San Francisco Educators DALP (Educators Downpayment Assistance Loan Program)
First-time homebuyers · New construction · Income limits · Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
Shared-appreciation loan
San Francisco FRDALP (First Responders Downpayment Assistance Loan Program)
First-time homebuyers · New construction · Income limits · Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
Shared-appreciation loan
Mayor's Office of Housing and Community Development (MOHCD) Below Market Rate Downpayment Assistance Loan Program (BMR DALP)
First-time homebuyers · Income limits · Single-family, Condo, Townhouse
Deferred second loan
Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP)
Income limits · Single-family, Condo, Townhouse
Shared-appreciation loan
Mayor's Office of Housing and Community Development (MOHCD) Limited Equity Program
First-time homebuyers · Income limits · Single-family, Condo, Townhouse
Forgivable loan
Mayor's Office of Housing and Community Development (MOHCD) Teacher Next Door Program
Income limits · Single-family, Condo, Townhouse
Deferred second loan
Mission Economic Development Agency (MEDA) DPA - San Francisco
First-time homebuyers · New construction · Income limits · Single-family (1-4 unit), FHA-approved condominium, townhome/PUD
Down-payment assistance
San Francisco Community Land Trust (SFCLT) - Homeownership Program
First-time homebuyers · New construction · Income limits · CLT resale-restricted single-family or condominium
Shared-appreciation loan
San Francisco Mayor's Office of Housing and Community Development Below Market Rate (BMR) Ownership Programs
First-time homebuyers · Income limits · Single-family, Condo, Townhouse
Deferred second loan
San Francisco Mayor's Office of Housing and Community Development City Second Loan Program (CSLP)
First-time homebuyers · Income limits · Single-family, Condo, Townhouse
Anywhere in San FranciscoAnywhere in San Francisco County
1 county program1 county program a San Francisco homebuyer can also use
The San Francisco marketThe San Francisco housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in San Francisco
- 18% single-familysingle-family
- 12.4% townhousetownhouse
- 20.1% 2–4 units2–4 units
- 49.2% 5+ unitscondo & apartment buildings (5+ units)
- 0.2% mobile & othermobile home & other
Condos count. 11 of San Francisco’s 12 local and county programs accept condos. Habitat for Humanity Greater San Francisco - Homeownership Program lists habitat-built single-family home.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When San Francisco’s homes were built
pre-19401970s2020+
76.5%
of San Francisco 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 Francisco County, 4-person household (2026)
$140,970
San Francisco median household incomeMedian household income in San Francisco (Census, 2024)
58 of the 128 programs here set their income limit as a share of San Francisco County’s area median income, adjusted for household size. See the published limits for San Francisco County
Free help nearbyFree help near San Francisco
16 HUD-approved counseling agencies within 15 miles16 HUD-approved housing counseling agencies within 15 miles
12 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 12 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.
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Across California and nationwide
116 statewide & federal programs54 statewide programs, plus federal options
San Francisco questions
Does San Francisco have its own down payment program?
Yes, 11: San Francisco DALP (Downpayment Assistance Loan Program), San Francisco Educators DALP (Educators Downpayment Assistance Loan Program), San Francisco FRDALP (First Responders Downpayment Assistance Loan Program), Mayor's Office of Housing and Community Development (MOHCD) Below Market Rate Downpayment Assistance Loan Program (BMR DALP), Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP), Mayor's Office of Housing and Community Development (MOHCD) Limited Equity Program, Mayor's Office of Housing and Community Development (MOHCD) Teacher Next Door Program, Mission Economic Development Agency (MEDA) DPA - San Francisco, San Francisco Community Land Trust (SFCLT) - Homeownership Program, San Francisco Mayor's Office of Housing and Community Development Below Market Rate (BMR) Ownership Programs and San Francisco Mayor's Office of Housing and Community Development City Second Loan Program (CSLP). Each is for homes inside San Francisco.
Can I use assistance on a condo in San Francisco?
11 of San Francisco’s 12 local and county programs accept condos. Habitat for Humanity Greater San Francisco - Homeownership Program lists habitat-built single-family home. 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 Francisco County?
Each program sets its own. 58 of the programs here set theirs as a share of HUD’s area median income for San Francisco 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 San Francisco?
HUD-approved housing counseling agencies teach homebuyer classes, and 16 agencies are within 15 miles of San Francisco. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
94101 · 94102 · 94103 · 94104 · 94105 · 94106 · 94107 · 94108 · 94109 · 94110 · 94111 · 94112 · 94114 · 94115 · 94116 · 94117 · 94118 · 94119 · 94120 · 94121 · 94122 · 94123 · 94124 · 94125 · 94126 · 94127 · 94128 · 94129 · 94130 · 94131 · 94132 · 94133 · 94134 · 94135 · 94136 · 94137 · 94138 · 94139 · 94140 · 94141 · 94142 · 94143 · 94144 · 94145 · 94146 · 94147 · 94150 · 94151 · 94152 · 94153 · 94154 · 94155 · 94156 · 94157 · 94159 · 94160 · 94161 · 94162 · 94163 · 94164 · 94165 · 94166 · 94167 · 94168 · 94169 · 94170 · 94171 · 94172 · 94175 · 94177 · 94188
Nearby in San Francisco
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.