The Downpayment Assistance Loan Program (DALP) offered by the San Francisco Mayor’s Office of Housing (MOH) is a loan program available to first-time homebuyers in San Francisco with low to moderate income. Low to moderate income is defined as not exceeding 120% of the area median income for San Francisco – in the case of a family of four, $121,900. You can find a detailed chart displaying maximum allowable incomes based on family size here.

DALP is available to people who are purchasing a market rate single family home in San Francisco who have never had ownership interested in any other property (whether in San Francisco or not). DALP is a silent second loan that requires no payments for 40 years. A silent second loan on an asset is not disclosed to the lender of the original loan.

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You can learn more about DALP by clicking here.


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