First Time Homebuyer Assistance

The City does not have a down payment or financing assistance program to help first time homebuyers purchase a house: however, there are a wide range of local, County, State and other programs presently available to interested first time homebuyers in San Mateo County. Because each of the agencies or programs listed below will have different eligibility requirements, it would be advisable to call or check out the website for each one you are interested in.

Local Programs

City of Belmont City of San Bruno
City of Foster City City of San Carlos
City of Menlo Park City of San Mateo
City of Redwood City City of South San Francisco


Housing Endowment And Regional Trust (HEART) of San Mateo County

  • New Homebuyer Assistance Program

San Mateo County Mortgage Credit Certificate Program, 650-802-5032


California Housing Finance Agency (CalHFA)

  • High Cost Area Home Purchase Assistance Program (HiCAP)
  • Extra Credit Teachers Program

California State Teachers’ Retirement System

  • 80-17 Program Mortgage Loan Program


California Home Source Lease Purchase Homeownership Program

San Mateo Community College District Silent Loan Program, 415-561-5600