The DALP program (Down Payment Assistance Loan Program) provides a shared appreciation loan for eligible buyers on the open market. The city’s BMR program offers Below Market Rate homes at reduced prices for income-qualified buyers. Some lenders also offer low down payment programs or cash-back incentives for buyers who complete homeownership education courses.
Each program has its own eligibility requirements and timelines. I help first-time buyers map out which combinations they actually qualify for and how to structure their purchase to take full advantage.