Eligibility notes
Silent second, no monthly payments; repay principal plus equitable share of appreciation on sale; not owned residential property in last 3 years; income caps by household size ($218,200 for 1 person to $436,400 for 9); annual application window and lottery - 2025 window ran March 4 to June 2, 2025, lottery June 25, 2025; currently closed between rounds, 2026 dates not posted.
Where does Downpayment Assistance Loan Program (DALP) apply?
This city-level program is available to buyers in San Francisco. Cities on our site where it applies:
| Detail | Program terms |
|---|---|
| Assistance | Up to $500,000 |
| Type | Deferred-payment loan |
| Minimum credit | Not published on the program page |
| First-time buyer | Required |
| Income limits | not stated |
How does Downpayment Assistance Loan Program (DALP) work with an FHA loan?
California's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.
Where do I confirm current terms?
On the official page: https://sf.gov/apply-downpayment-loan-buy-market-rate-home. Programs can pause when funds run out, so confirm availability with a participating lender.
Frequently asked questions
Sources
- San Francisco Mayor's Office of Housing and Community Development (MOHCD) — Downpayment Assistance Loan Program (DALP) (official page, verified October 25, 2026)
- HUD — 2026 FHA limits
Data last updated October 25, 2026.
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Get My MatchesFigures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.