First Responders Downpayment Assistance Loan Program

First Responders list in the Downpayment Assistance Loan Program (FRDALP)

Beginning on April 1, 2019 at 8:00 am, MOHCD will be accepting FRDALP pre-approval applications on a First Come First Serve basis. You may submit applications through the share file located below. No paper files are accepted.

 Loan Program Details         

MOHCD's First Responders Downpayment Assistance Loan Program (FRDALP) helps active uniformed, sworn members of the San Francisco Police Department (SFPD), San Francisco Fire Department (SFFD) and San Francisco Sheriff’s Department (SFSD) buy a home in San Francisco.

FRDALP is a downpayment loan up to $375,000, to bid on a property on San Francisco's open market. The loan is used on the downpayment of a single unit that will become a primary residence.

The FRDALP is a silent second loan that requires no monthly payments for 30 years, or until the property is sold. Repayment of the loan will includes the principal amount, plus an equitable share of appreciation of the property.

Borrower Eligibility Requirements

  • First Time homebuyer in San Francisco: Adult household members who receive funds from the FRDALP must not have any ownership interest in a residential unit in San Francisco for the last three years.  
  • Completed homebuyer education from
  • Minimum Downpayment: Borrower must contribute a minimum of 5% (2.5% from borrower's own funds, and remainder from gifts or grants).
  • < >The property must be owner-occupied during the life of the loan.

    Income: The household income cannot exceed 200% of the Area Median Income (AMI) in 2018.

Household Size

200% AMI in 2018

1 person


2 people


4 people


  • Liquid Assets Requirements:

    • There is no pre-purchase liquid asset requirements.

    • At the time of closing, the applicant must have less than $60,000 maximum liquid assets available.

Applying For FRDALP

                Click here for Share File Upload



HomeownershipSF is a citywide collaboration of experienced, nonprofit homeownership service providers. It serves as a centralized resource for affordable homeownership opportunities and foreclosure intervention education/counseling in San Francisco.

Note: This list of resources is by no means a complete list of everything available in the City. It should be a starting point for further reference.