The Downpayment Assistance Loan Program (DALP) in San Francisco is a lifeline for aspiring homeowners in one of the nation's most expensive housing markets. Administered by the Mayor's Office of Housing and Community Development, DALP offers low to moderate-income individuals and families the chance to achieve homeownership by providing loans to cover a portion of their down payment. These loans, which are forgivable over time, help bridge the gap between what buyers can afford and the steep costs of real estate in the city. DALP plays a crucial role in fostering community stability, empowering residents to put down roots and invest in their futures while navigating San Francisco's challenging housing landscape.



Below market rate housing, often abbreviated as BMR, refers to residential units that are offered at prices below the prevailing market rates. These housing options are typically intended to provide affordable living options for individuals or families who might otherwise struggle to afford housing in the current market conditions. Government agencies, non-profit organizations, or private developers often collaborate to create below market rate housing initiatives as part of efforts to address housing affordability challenges within communities. By offering these units at reduced prices, BMR programs aim to promote economic diversity, support workforce stability, and ensure that housing remains accessible to a broader spectrum of society.


VA Loans

VA loans offer a path to homeownership uniquely tailored to the needs of military service members, veterans, and their families. Backed by the U.S. Department of Veterans Affairs, these loans provide eligible borrowers with favorable terms, including competitive interest rates, no down payment requirements, and limited closing costs. Designed as a benefit for those who have served their country, VA loans make it easier for veterans to achieve the dream of owning a home. With flexible eligibility criteria and a commitment to supporting those who've served, VA loans stand as a testament to the nation's gratitude for the sacrifices made by its military personnel.


Tenancy in Common (TIC)

Tenancy in common (TIC) is a versatile form of property ownership that provides individuals with a flexible and customizable framework for sharing ownership of real estate; specifically, a right to an exclusive unit in a TIC. Unlike joint tenancy, it allows co-owners to hold unequal ownership shares, accommodating varying financial contributions or investment objectives.

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