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First Responders Downpayment Assistance Loan Program (FRDALP)

Quick answer

First Responders Downpayment Assistance Loan Program (FRDALP) is a California down payment assistance program from San Francisco Mayor's Office of Housing and Community Development (MOHCD). It provides Up to $500,000 as a deferred-payment loan. It is aimed at first-time buyers. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

Eligibility notes

For eligible first responders; silent second, no monthly payments, repay principal plus share of appreciation on sale/transfer; no SF residential ownership in last 3 years; income caps $226,900 (1 person) to $453,900 (9); 2025 window March 4 to June 2, 2025; 2026 dates not posted.

Where does First Responders Downpayment Assistance Loan Program (FRDALP) apply?

This city-level program is available to buyers in San Francisco. Cities on our site where it applies:

DetailProgram terms
AssistanceUp to $500,000
TypeDeferred-payment loan
Minimum creditNot published on the program page
First-time buyerRequired
Income limitsnot stated

How does First Responders Downpayment Assistance Loan Program (FRDALP) 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://www.sf.gov/information/first-responders-downpayment-assistance-loan-program-frdalp. Programs can pause when funds run out, so confirm availability with a participating lender.

← All California down payment assistance programs

Frequently asked questions

Up to $500,000, according to San Francisco Mayor's Office of Housing and Community Development (MOHCD).

It's a deferred loan — no monthly payments, repaid when you sell, refinance or pay off the first mortgage.

not stated

Sources

Data last updated October 25, 2026.

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Figures 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.