San Francisco DALP (Downpayment Assistance Loan Program)

San Francisco DALP (Downpayment Assistance Loan Program)是面向San Francisco，California购房者的增值共享贷款。 Silent second loan up to $500,000 for eligible low-to-middle income first-time buyers purchasing market-rate property in San Francisco. No monthly payments. Repay principal plus equitable share of appreciation on sale. Income limit: 200% AMI. Lottery-based application (2025 applications March 4 – June 2). No three-year ownership in prior three years. Up to $500,000 in assistance. shared equity with provider at resale. 资金来自City of San Francisco。

San Francisco DALP (Downpayment Assistance Loan Program)提供最高$500,000的援助。 该项目要求购房者自付1% of purchase price (borrower minimum)。 金额是该项目公布的上限，并非报价——具体每人的援助金额由管理该项目的机构决定。

San Francisco DALP (Downpayment Assistance Loan Program)是增值共享贷款，按管理该项目的机构设定的条款偿还。 触发还款的情形：Sale, refinance, transfer, or cessation of owner-occupancy。 该援助以Second顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

San Francisco DALP (Downpayment Assistance Loan Program)面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：Contact lender for current credit score requirements。 须参加购房者教育课程，由HUD-approved housing counselor in San Francisco提供。 居住要求：Property must be in San Francisco。 公民身份或移民身份：U.S. citizen, permanent resident alien, or other eligible non-citizen。 Must be San Francisco resident or employee at time of application. Shared appreciation: city shares 30% of appreciation upon sale. Lottery-based application.

San Francisco DALP (Downpayment Assistance Loan Program)将家庭收入限制在地区收入中位数的200%，该数值因县和家庭人数而异。 120% AMI; 4-person household limit ~$299,700 (2026 SF AMI). 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

San Francisco DALP (Downpayment Assistance Loan Program)将房价上限设为$1.3M。 符合条件的房屋类型包括Single-family (1-4 unit), FHA-approved condominium, townhome/PUD。 新建房屋符合条件。 预制房屋不符合条件。

San Francisco DALP (Downpayment Assistance Loan Program)服务于在San Francisco，California购房的购房者。

San Francisco DALP (Downpayment Assistance Loan Program)的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Apply through SF MOHCD; limited slots; contact for availability预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。