Quick Answer
San Francisco County offers 31 active down payment assistance programs with up to $500,000 in assistance (via Educators Downpayment Assistance Loan Pr...). 8 programs are grants requiring no repayment. Minimum credit score: 600. Programs include grants, forgivable loans, deferred loans, and tax credits for San Francisco homebuyers.
San Francisco homebuyers have access to 31 active down payment assistance programs, ranging from outright grants that never need repayment to deferred loans worth up to $500,000. That includes 8 grant programs that require no repayment at all.
Every San Francisco buyer who walks through the DPA decision ends up asking the same three questions: which programs are active, which ones I qualify for, and how much house that translates into. I have spent 25+ years as a California mortgage originator answering those three questions one buyer at a time. This page does it for everyone at once, specific to San Francisco County.
Skim the program types first. Then use the affordability table further down to see how the math works at your income level in this county.
San Francisco County DPA at a Glance
Program Types Available
- ✓ Grant Programs (10)
- ✓ Shared Appreciation Loans (5)
- ✓ Forgivable Loans (3)
- ✓ Deferred Payment Loans (12)
- ✓ Repayable Second Mortgages (5)
- ✓ Other Programs (2)
Key Numbers
- Max Assistance: Up to $500,000 (Educators Downpayment Assistan...)
- Lowest Credit Score: 600
- Income Limits: Vary by program; some have none
- First-Time Buyer Required: Not always
San Francisco Housing Market Context for DPA Buyers
The median single-family home price in San Francisco County is approximately $1,450,000, down about 1.0% year-over-year (Q1 2026 estimate, San Francisco Bay Area region). That price point determines which DPA programs are most useful here and how far the available assistance amounts will actually stretch.
San Francisco's combined city-county jurisdiction has one of the most robust local DPA infrastructures in the country, including the DALP and Teacher Next Door programs. Most DPA buyers in SF target Below Market Rate (BMR) ownership units, which dramatically lower the entry price.
| City | Approx. Median Home Price | DPA Picture |
|---|---|---|
| San Francisco | $1,450,000 | Condos, BMR units, or stacked DPA typically needed. |
City medians are approximate Q1 2026 estimates. Actual transaction prices vary by neighborhood, home size, and condition.
What this means in practice for San Francisco:
On a $1,450,000 home with FHA financing, you would need about $50,750 for the 3.5% down payment. Educators Downpayment Assistance Loan Program (Educators-DALP) (up to $500,000) covers the entire 3.5% FHA down payment with $449,250 left over for closing costs.
Grant Programs
Grants are the gold standard of DPA — you don't pay them back. Here are the grant programs available to San Francisco County homebuyers.
Forgivable Loans
Forgivable loans are forgiven after a set period (typically 3-7 years) of living in the home. If you stay, you keep the money.
Deferred Payment Loans
Deferred loans charge zero monthly payments while you live in the home. You repay when you sell, refinance, or move out. These are a strong option if you want to keep your monthly costs low.
Repayable Second Mortgages
These programs provide DPA as a second mortgage with monthly payments. The amounts are significant and the qualification is broader — no first-time buyer requirement, no income caps for some.
Tax Credit Programs
Tax credits aren't cash at closing, but they reduce your federal income tax every year for the life of the loan — and can help you qualify for a larger loan.
Income Limits for San Francisco County DPA
Income limits are the most confusing part of DPA eligibility. Here's the cheat sheet for San Francisco:
| AMI Threshold | 4-Person Household | Programs at This Level |
|---|---|---|
| 80% AMI | ~$154,700 | Golden Opportunities, GSFA Platinum Standard, Workforce Initiative Subs..., CalHFA Forgivable Equity ... +4 more |
| 120% AMI | ~$222,850 | CalHFA Dream For All Shar..., Downpayment Assistance Lo... |
| 150% AMI | ~$278,550 | — |
| No Limit | Unlimited | Golden Opportunities, GSFA Platinum Standard, NeighborhoodLIFT, Chenoa Fund DPA +14 more |
Don't know your AMI level? Use our AMI Lookup Tool to check your county's limits by household size.
What You Can Afford in San Francisco County with DPA
One of the most common questions first-time buyers ask is "how much house can I actually afford with down payment assistance?" The table below runs the math for San Francisco using the CalHFA MyHome (down payment) + ZIP (closing cost) stack on FHA financing. MyHome covers the 3.5% FHA down payment, and ZIP covers closing costs, so your purchase power is driven entirely by what your income can support under FHA loan limits for San Francisco.
In San Francisco County, the 2026 FHA loan limit for a 1-unit home is $1,249,125. That means an FHA-financed purchase using the CalHFA MyHome down payment assistance caps out around $1,294,000 in purchase price, regardless of how much income you have. Buyers targeting homes above that price in San Francisco typically need conventional financing, a larger down payment, or both.
| Annual Household Income | Max Monthly PITI | Max Purchase Price | Binding Limit |
|---|---|---|---|
| $100,000 | $3,150/mo | $403,000 | Income-based |
| $125,000 | $4,088/mo | $529,000 | Income-based |
| $150,000 | $5,025/mo | $654,000 | Income-based |
| $325,000 | $11,588/mo | $1,294,000 | FHA-capped |
Assumptions behind this table
- 30-year fixed FHA loan at 6.125% (illustrative; rates change daily)
- 3.5% down payment covered by CalHFA MyHome (no borrower down payment required)
- ZIP covers closing costs (does not affect purchase power)
- UFMIP of 1.75% financed into the loan; annual MIP of 0.55%
- Property tax estimated at 1.25% annually; hazard insurance $150/month
- 45% back-end DTI with $600/month in non-housing debt (car, credit cards, student loans)
- Purchase price rounded to nearest $1,000
- 2026 FHA loan limit for San Francisco County (1-unit): $1,249,125
- 2025 CalHFA income cap for San Francisco County: $325,000
Estimates only. Actual qualification depends on credit, full debt profile, property type, and lender-specific underwriting. Contact a licensed mortgage originator for a personalized pre-approval.
How to Apply for Down Payment Assistance in San Francisco County
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1
Check Your Eligibility
Use our free eligibility tool to see which programs match your situation. Enter your county, income, and target home price.
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2
Get Pre-Approved with a DPA-Approved Lender
Not every lender participates in every DPA program. Work with a lender who is approved for the programs you want. Ask specifically about CalHFA, NHF, Chenoa Fund, and GSFA approval.
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3
Complete Homebuyer Education (If Required)
Many programs require an 8-hour HUD-approved homebuyer education course. Online options through eHome America and Framework are accepted by most programs.
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4
Find a Home & Make an Offer
Your lender will structure the DPA into your loan package. Some programs have purchase price limits and property type restrictions, so confirm eligibility before making offers.
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5
Close & Move In
The DPA funds are disbursed at closing alongside your first mortgage. No separate application process — your lender handles everything.
Stacking Programs: Combining Multiple DPA Sources
One of the most powerful strategies in San Francisco is combining multiple DPA programs. Here are proven combinations:
CalHFA Stack (Most Popular)
CalHFA Zero Interest Program (ZIP) + CalHFA Down Payment Assistance - FHA + CalHFA Down Payment Assistance - Conventional
Maximum Assistance Stack
Educators Downpayment Assistance Loan Program (Educators-DALP) ($500,000) + City Second Loan Program (CSLP) ($500,000)
Key rule: Not all programs can be combined. Your lender must confirm layering compatibility before you commit.
Programs by Area Within San Francisco County
City of San Francisco
All statewide and county programs apply
Frequently Asked Questions
How much down payment assistance can I get in San Francisco County?
Up to $500,000 through the largest available program. For most San Francisco buyers, the realistic stack is $20,000 to $80,000 combining statewide CalHFA, GSFA, or Chenoa Fund options with any local layer. The largest county-level program is Educators Downpayment Assistance Loan Program (Educators-DALP) at up to $500,000.
On a $1,450,000 home in San Francisco, how much will I actually need at closing?
The 3.5% FHA down payment on a San Francisco median-priced home ($1,450,000) is about $50,750. Educators Downpayment Assistance Loan Program (Educators-DALP) covers the full 3.5% FHA down payment with $449,250 left for closing costs. Add closing costs of roughly $36,250 and most San Francisco buyers can plan on $3,000 to $8,000 in true out-of-pocket cash to close after DPA is applied.
What is the 2026 FHA loan limit in San Francisco County?
The 2026 FHA loan limit for a 1-unit home in San Francisco County is $1,249,125. San Francisco is one of California's high-cost FHA counties, so you can finance a more expensive home with FHA than you could in most of the state. Loans above the FHA limit move to conventional or jumbo financing, which usually require larger down payments than the 3.5% FHA minimum.
What is Educators Downpayment Assistance Loan Program (Educators-DALP) and how does it work for San Francisco buyers?
It is the largest county-level DPA option available in San Francisco, offering up to $500,000. It is a shared appreciation loan, repaid as the original amount plus a share of your home's value increase when you sell. First-time buyer status (no ownership in the past 3 years) is required. Apply through a participating lender, not the program administrator directly. Your lender confirms current funding availability before submitting your application.
Can down payment assistance help when San Francisco homes cost over $1 million?
Yes, but the math works differently than in lower-cost counties. San Francisco DPA is most useful for buyers targeting condos, townhomes, or homes in the $700K to $900K range where FHA financing applies. Below Market Rate (BMR) units and CalHFA Dream For All (when funding is open) are usually the strongest layers for Bay Area pricing. Buyers stacking three or four DPA sources can sometimes assemble $100,000 or more in assistance for a $900,000 purchase.
I have owned a home before. Can I still qualify for DPA in San Francisco?
Yes. 9 programs available to San Francisco buyers do not require first-time buyer status, including Golden Opportunities, GSFA Platinum Select, GSFA Platinum Standard. Even for programs that do require first-time status, the standard definition is no ownership in the past 3 years, so many former owners requalify.
Which San Francisco DPA programs are true grants I won't have to pay back?
8 grant programs are currently available to San Francisco buyers, including NeighborhoodLIFT, NeighborhoodLIFT Bay Area, Bank of America Down Payment Grant + America's Home Grant. Grants never require repayment regardless of how long you stay in the home. Most have occupancy requirements (the home must be your primary residence) and income caps. Confirm current funding status with your lender, since grant pools exhaust faster than loan-based programs.
Will a 600 credit score qualify me for DPA in San Francisco?
Yes. At least one San Francisco DPA option accepts credit scores as low as 600. Programs in the 600 to 619 range are usually Chenoa Fund variants. Most CalHFA and GSFA programs require 660 or higher. If your score is between 580 and 619, plan on Chenoa Fund as your primary path. Between 620 and 659, GSFA programs open up. At 660+ all major statewide programs are on the table.
| Program Name | Type | Max Assistance | Funding Status | Income Limit |
|---|---|---|---|---|
| CalHFA Zero Interest Program (ZIP) | Deferred Loan | $10,000 | Open | Must meet CalHFA county-specific income limits (low to moder... |
| CalHFA Dream For All Shared Appreciation Loan | Shared Appreciation | $150,000 | Closed | Must meet CalHFA Dream For All income limits (based on 120% ... |
| Downpayment Assistance Loan Program (DALP) - General 120% AMI | Shared Appreciation | $500,000 | Closed | Household income must not exceed 120% of Area Median Income ... |
| Downpayment Assistance Loan Program (DALP) - General 200% AMI | Shared Appreciation | $500,000 | Closed | Household income must not exceed 200% of Area Median Income ... |
| Educators Downpayment Assistance Loan Program (Educators-DALP) | Shared Appreciation | $500,000 | Open | Maximum household income by household size: 1 person $209,80... |
| First Responders Downpayment Assistance Loan Program (FRDALP) | Shared Appreciation | $500,000 | Closed | Household income must not exceed 200% of Area Median Income ... |
| Golden Opportunities | Repayable Second | $25,000 | Open | No income limits when using FHA, VA, or USDA first mortgages... |
| GSFA Platinum Select | Repayable Second | $25,000 | Open | Designed for low- to moderate-income borrowers with flexible... |
| GSFA Platinum Standard | Repayable Second | $25,000 | Open | No income limits when using FHA, VA, or USDA first mortgages... |
| NeighborhoodLIFT | Grant | $25,000 | Open | Varies by program |
| Workforce Initiative Subsidy for Homeownership (WISH) | Grant | $32,099 | Closed | Household income at or below 80% of Area Median Income (AMI) |
| Chenoa Fund DPA | Forgivable Loan | $17,500 | Open | No income limits |
| CalHFA Forgivable Equity Builder Loan (FEBL) | Grant | $50,000 | Closed | Household income at or below 80% of Area Median Income (AMI) |
| NeighborhoodLIFT Bay Area | Grant | $25,000 | Open | Household income at or below 80% AMI |
| Bank of America Down Payment Grant + America's Home Grant | Grant | $17,500 | Verify | Income limits vary by market area |
| Kaiser Permanente Credit Union Down Payment Assistance Program | Other | $32,099 | Verify | Must meet income eligibility requirements |
| SchoolsFirst Federal Credit Union Reduced Down Payment Program | Other | Varies | Open | No income limits — available to all qualifying SchoolsFirst ... |
| Below Market Rate Downpayment Assistance Loan Program (BMR DALP) | Repayable Second | Varies | Verify | low and moderate income households |
| City Second Loan Program (CSLP) | Repayable Second | $500,000 | Verify | Varies by program |
| Middle-Income Downpayment Assistance (MDPA) | Grant | $50,000 | Verify | Between 80.01% and 140% of HUD defined AMI based on purchase... |
| Middle Income Downpayment Assistance Program | Grant | $50,000 | Open | Between 80.01% and 140% of the HUD defined AMI based on purc... |
| ReCoverCA Homebuyer Assistance Program | Forgivable Loan | $300,000 | Open | capped at 80% of the Area Median Income |
| CalHFA Down Payment Assistance - FHA | Deferred Loan | $17,500 | Open | Must meet CalHFA county-specific income limits for FHA gover... |
| CalHFA Down Payment Assistance - Conventional | Deferred Loan | $15,000 | Open | Must meet CalHFA county-specific income limits. 660 credit s... |
| MyHome Assistance Program | Deferred Loan | $17,500 | Open | Must meet CalHFA county-specific income limits. 660 credit s... |
| Pathway to Home Closing Cost Assistance Grant | Grant | $10,000 | Verify | Varies by program |
| SF Teacher Next Door (TND) | Forgivable Loan | $40,000 | Verify | Varies by program |
| Homebuyer Assistance | Deferred Loan | $125,000 | Verify | Varies by program |
| Below Market Rate Downpayment Assistance Loan Program (BMR DALP) | Deferred Loan | $100,000 | Open | Varies by program |
| City Second Loan Program (CSLP) | Deferred Loan | $500,000 | Open | Varies by program |
| Teacher Next Door (TND) | Deferred Loan | $40,000 | Open | Varies by program |
| Greenline Housing Foundation Down Payment Grant | Grant | $50,000 | Open | Varies by program |
| NHF Downpayment Assistance | Deferred Loan | $25,000 | Open | Varies by program |
| First Time Home Buyer Program | Deferred Loan | Varies | Open | Varies by program |
| Down Payment Assistance | Grant | $20,000 | Open | Varies by program |
| Chenoa Fund FHA Down Payment Assistance Forgivable | Deferred Loan | $25,000 | Verify | Varies by program |
| Chenoa Fund FHA Down Payment Assistance Repayable | Deferred Loan | $25,000 | Verify | Varies by program |
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