Educators Downpayment Assistance Loan Program (Educators-DALP)

Educators-DALP provides down payment assistance of up to $500,000 to purchase a market-rate property in San Francisco. The loan is intended to be used for the down payment on a property that will become a primary residence.

Educators-DALP 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 DALP funding balances.

Educators-DALP eligibility

You can apply for an Educators-DALP if you:

• Are currently employed with SFUSD.
  • Included are United Educators of San Francisco (UESF) members, including teachers, paraprofessionals, counselors, deans, nurses, speech pathologists, psychologists, behavioral analysts, social workers, special education, content specialists, and librarians.
  • Also included are those who work in the SFUSD Early Education Department.
• Are a first-time homebuyer in San Francisco. You must not have had 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 under 200% of the Area Median Income (AMI) for your household size.
  For a household size of 1 person, 200% AMI in 2024 is $209,800
  For a household size of 2 people, 200% AMI in 2024 is $239,800
  For a household size of 3 people, 200% AMI in 2024 is $269,700

Apply for the Educators-DALP

The application period for the 2023 DALP has now closed.

MOHCD is contacting applicants and processing applications in the following order: Educators DALP, First Responders DALP, and General DALP. Depending on your lottery rank, it may take several months to a year before MOHCD contacts you.