First Responders Downpayment Assistance Loan Program (FRDALP)

First Responders Downpayment Assistance Loan Program (FRDALP) is a silent second (shared appreciation) from San Francisco MOHCD. Serves City. Income limit: Up to 200% AMI.

Amount varies by program

Listed as open as of May 26, 2026

Serves City.

Income limit	Up to 200% AMI
Occupations	SF first responders (police, fire, sheriff, EMS)
Shared appreciation	Yes
Amount notes	Up to $500,000
Notes	Separate funding pool for first responders.
Phone	(415) 701-5500

Source San Francisco MOHCD·official program page·Listed May 26, 2026

Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: San Francisco MOHCD · program details at the provider’s site.

Check what you qualify for Ask Cal about your situation

See if First Responders Downpayment Assistance Loan Program (FRDALP) fits your purchase

Tell Cal how to reach you and a licensed loan officer will walk through this program, what it stacks with, and what you would actually qualify for. No spam, no list-selling.

More California programs

CalHFA MyHome Assistance Program

Deferred Silent Second · Up to 3.5%
CalHFA ZIP (Zero Interest Program)

Deferred Closing Cost Assistance · Up to 4%
CalPLUS FHA

First Mortgage (for pairing with DPA) · Amount varies by program
CalPLUS Conventional

First Mortgage (for pairing with DPA) · Amount varies by program
CalHFA MyAccess

Deferred Silent Second · Up to 2.5%
CalHFA Dream For All Shared Appreciation Loan

Shared Appreciation Loan · Up to $150,000 or Up to 20%
CalHFA Forgivable Equity Builder Loan

Forgivable Loan · Up to 10%
CalHFA Mortgage Credit Certificate (MCC)

Federal Tax Credit · Up to $2,000 or Up to 20%