First-Time Home Buyer Programs in San Francisco, CA
San Francisco runs a named local FTHB program (SF DALP (Downpayment Assistance Loan Program)) that layers on top of the state flagship — first-time buyers here regularly stack both plus a federal loan. Median first-time buyer purchase price in the San Francisco-Oakland-Berkeley area is around $860,000.
SF DALP (Downpayment Assistance Loan Program)
SF DALP (Downpayment Assistance Loan Program) is a San Francisco-specific program that layers on top of CalHFA's state flagship (CalHFA MyHome Assistance) and federal FHA/VA/USDA loans. Terms, income caps, and funding cycles change each fiscal year — verify current details before applying.
How first-time homebuyer programs work in San Francisco
San Francisco first-time buyers assemble their financing from three layers. The state flagship — CalHFA MyHome Assistance from CalHFA — pairs a competitive first mortgage with down payment and closing-cost assistance, often as a forgivable second lien. Federal programs (FHA at 3.5% down, VA at 0% for eligible veterans, USDA for qualifying outer-ring San Francisco-Oakland-Berkeley ZIPs) layer underneath.
On top of that, San Francisco runs SF DALP (Downpayment Assistance Loan Program) — a local program with ZIP or income restrictions that often delivers the largest per-buyer totals in the San Francisco-Oakland-Berkeley area. Combined, San Francisco buyers regularly stack all three.
Eligibility hinges on three inputs: credit score, household income relative to program caps that vary by county in CA, and purchase price. Completing a HUD-approved homebuyer education course is required before closing.
How to qualify: San Francisco first-time buyer steps
- 1
Check your credit for San Francisco program eligibility
Most California first-time buyer programs require typically 620–640 for conventional, 580 for FHA. Pull your score for free with a soft inquiry.
- 2
Confirm first-time buyer status
CalHFA defines "first-time buyer" as not owning a principal residence in the past three years. Some San Francisco targeted ZIPs waive this rule.
- 3
Take a HUD-approved homebuyer education course
Most CA programs require an approved homebuyer education course before closing. Most run 6–8 hours online.
- 4
Apply through a participating San Francisco lender
SF DALP (Downpayment Assistance Loan Program) is originated by participating lenders in the San Francisco-Oakland-Berkeley area, not directly by the program agency. Your loan officer submits the DPA package alongside your main mortgage.
- 5
Close on your San Francisco home
First mortgage funds and DPA come to closing together. Median first-time buyer purchase price in the San Francisco-Oakland-Berkeley area is around $860,000.
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Start my readiness checkSan Francisco first-time buyer programs: FAQ
What first-time buyer programs are available in San Francisco, CA?▾
San Francisco runs a named local program — SF DALP (Downpayment Assistance Loan Program) — which layers on top of the state flagship CalHFA MyHome Assistance from CalHFA. Combined, they stack with federal FHA, VA, and USDA loans for the largest per-buyer total.
What credit score do I need for first-time buyer programs in San Francisco?▾
Most California first-time buyer programs require typically 620–640 for conventional, 580 for FHA. Higher scores unlock better rates and more DPA options.
How much home can a first-time buyer afford in San Francisco?▾
Median first-time buyer purchase price in the San Francisco-Oakland-Berkeley area is around $860,000 — meaningfully below the overall metro median of $1,195,000 because FTHBs concentrate in condos and starter homes. Use HomeApproach's Affordability Simulator to model what you can afford in your target ZIP.
Do San Francisco programs work with FHA or VA loans?▾
Yes. SF DALP (Downpayment Assistance Loan Program) and most CalHFA products layer on top of FHA, VA, USDA, and conventional first mortgages. Your lender submits the DPA package alongside your first mortgage.
Can I stack San Francisco local DPA with state and federal programs?▾
In most cases yes. San Francisco buyers regularly combine the local program with county DPA and federal loans. Home Approach's Grant Finder waterfalls through all four layers by ZIP to show your total.