First Responders Downpayment Assistance Loan Program (FRDALP)

FRDALP helps financially eligible first responders buy a home in San Francisco through a downpayment loan.

The First Responders Downpayment Assistance Loan is a downpayment loan up to $375,000 to bid on a property within 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. When the property is sold or transferred, the owner pays MOHCD back the principal amount of the loan, plus an equitable share of appreciation of the property.

You can view program funding balances.

FRDALP eligibility

You can apply for an FRDALP if you:

  • Are an active uniformed, sworn member of the San Francisco Police Department (SFPD), San Francisco Fire Department (SFFD), or San Francisco Sheriff’s Department (SFSD)
  • Are a first-time homebuyer in San Francisco. You must not have any ownership interest in a residential unit in San Francisco for the last 3 years.
  • Have completed homebuyer education and have a mortgage loan pre-approval letter from a MOHCD-approved lender.
  • Fulfill other eligibility requirements in the General DALP.
  • Make no more than 200% AMI for your household size.
    For a household size of 1 person, 200% AMI in 2022 is $194,000
    For a household size of 2 people, 200% AMI in 2022 is $221,700
    For a household size of 3 people, 200% AMI in 2022 is $277,100

Apply for the FRDALP

The application period has closed.

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Last updated December 2, 2022