DALP Funding is Here!

September 24, 2025

DALP Funding is Here: What It Means for San Francisco Buyers

Great news for San Francisco homebuyers—the Downpayment Assistance Loan Program (DALP) funds have now been released, and qualified applicants are finally receiving their money. This is a huge step forward for many who have been waiting to take the next step toward homeownership in one of the most competitive markets in the country.

What is DALP?

The Downpayment Assistance Loan Program is designed to help first-time homebuyers in San Francisco by providing a deferred-payment loan that can be used toward a downpayment. It’s not a grant—you pay it back when you sell or refinance—but it makes homeownership more attainable by helping cover that critical upfront cost. Click here to learn more about DALP requirements and deadlines.

Why This Matters Now

For months, many buyers have been approved but waiting for their DALP funds to be distributed. With the release of these funds, those buyers now have the financial support to finally make competitive offers. This means more opportunities for qualified buyers to move forward in their search—and more activity in the San Francisco market.

How Realtors Can Help

This is where we come in as realtors. Navigating the DALP process isn’t always easy, but with the money now in buyers’ hands, the focus shifts to strategy, timing, and execution. Here’s how we can help:

Educating Buyers: Making sure clients understand how DALP works, including repayment terms and how it affects their long-term financial planning.
Targeting the Right Homes: Identifying properties that fit within DALP guidelines and budgets while still meeting the buyer’s lifestyle needs.
Strengthening Offers: Helping buyers craft competitive offers in a fast-moving market, especially when multiple offers are involved.
Coordinating with Lenders: Working closely with lenders who are familiar with DALP to streamline the financing process.
Negotiation & Advocacy: Ensuring buyers are well-represented and that their DALP funding is leveraged to maximum advantage.

Moving Forward

The release of DALP funding is a big win for first-time buyers in San Francisco. If you’ve been approved for DALP—or are considering applying in the future—it’s essential to work with a realtor who understands the program and the unique dynamics of this market.

At Legacy Real Estate, we’ve helped many buyers successfully use programs like DALP to achieve their dreams of homeownership. Now that the funds are here, we’re ready to guide you every step of the way.