Apply for the 2018 Downpayment Assistance Loan Program (DALP)

Information for buyers

DALP is a downpayment loan up to $375,000, for first-time homebuyers to bid on a property on San Francisco's 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 the first responders (FRDALP) or SFUSD educators (Educators DALP) funding list, your household income cannot exceed 200% of the Area Median Income (AMI) in 2018.
      • Note: Applicants who receive funds from the FRDALP or Educators-DALP list don't need to be first-time homebuyers.
         
    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 homebuyer education, then get a mortgage loan pre-approval from an approved lender

    1. Sign up for homebuyer education at homeownershipsf.org or contact HomeownershipSF at info@homeownershipsf.org / (415) 202-5464
      1. We're allowing applicants to finish the group workshop and housing counselor appointment by 9/28/18.
      2. Attach confirmation of your workshop registration with your DALP lottery application.
    2. See list of approved lenders »
  2. Complete, sign and scan the PDF iconDALP Pre-Approval Application Packet July 2018

    • Only one application per household. We remove all applications from a household if we find duplicates.
  3. 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. Note: no lottery preferences are used in the DALP lottery. Read more about how the lottery works »
    • MOHCD will process and approve applications in lottery rank order, by the following audiences:
      1. First Responders (FRDALP)
      2. SFUSD Educators (Educators-DALP)
      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.
        • First responders or SFUSD educators can still be considered for funding under the General DALP list if they are not selected in under FRDALP or Educators-DALP. However, the applicant must meet the AMI requirements of the funding source they use.
  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 nonrefundable fee to process the paperwork. This will be collected when DALP funds are reserved for you to close on a property. See MOHCD program fees »