Apply for the 2018 Downpayment Assistance Loan Program (DALP)

Information for buyers

DALP is a downpayment loan up to $375,000, to bid on a property on the open market. The loan must be used on the downpayment of a single unit that will become your primary residence. You can re-sell the unit at market prices.

You don’t have to make any monthly payments for 30 years, or until you sell the property. You pay MOHCD back the principal amount, plus an equitable share of appreciation. There is no pre-payment penalty.

See remaining fund balances for 2017 DALP programs »

Am I eligible for DALP?

In addition to our homebuyer program requirements, there are eligibility requirements in:

  1. Maximum income
    • For the general DALP, your household income cannot exceed 175% of the Area Median Income (AMI) in 2018.
    • For first responders or SFUSD educators, your household income cannot exceed 200% of the Area Median Income (AMI) in 2018.
    Household Size 175% AMI in 2018 200% AMI in 2018
    1 person $145,100 $165,800
    2 people $165,750 $189,400
    4 people $207,200 $236,800

    Download the entire maximum income chart

  2. Minimum savings
    • You must have enough with your own savings (5% of the downpayment), mortgage loan, and DALP loan to afford a home at San Francisco market rate prices

Work with your lender to determine your eligibility.

See more financing details about DALP »

Important Dates for 2018 DALP

2018 Date Activity
July 31, 5PM Lottery applications due
August 20, 10am Lottery at SF Main Library
August 31 Lottery results posted
September 4 Applications begin to be processed

Apply for the DALP lottery
By July 31, 2018

When you apply for the lottery, you're completing a pre-approval application. You can apply for DALP after the lottery. We will add your application to the end of the existing general lottery list.

  1. Complete, sign and scan the PDF iconDALP Pre-Approval Application Packet

  2. Compile the form and required documents into one PDF file.

Upload your documents with Sharefile
Sharefile will ask you to create an account
View PDF iconDALP ShareFile Upload Instructions.pdf

If you are unable to send in your documents online, you can mail your application to:

Mayor’s Office of Housing and Community Development
1 South Van Ness Ave., 5th Floor
San Francisco, CA  94103
Attn: DALP Pre-Approval

After you apply

  1. You will be assigned a lottery number within 5 business days. There is a lottery for the DALP once a year. Read more about how the lottery works »
    • MOHCD will process and approve applications in lottery rank order, by the following audiences:
      1. First Responders
      2. SFUSD Educators
      3. General
        • We have a different funding source for applicants above 120% AMI.
        • Both 120% AMI and 175% AMI applicants will be ranked on the same list.
        • Each household can only reserve funds under one program (General, First Responders, or Educators) if selected.
  2. Once you are approved, you use the loan on a downpayment for any property on the open market.
    • Purchasing, review, and closing may take 5 months total.
    • You have 60 days to enter a sales contract.
    • There is a $601 nonrefundable fee to process the paperwork. This will be collected when DALP funds are reserved for you to close on a property.