Daly City borders San Francisco at the top of the Peninsula, known for the rows of pastel mid-century homes in Westlake, two BART stations and quick access to I-280 and Highway 1. We help Daly City buyers and homeowners with high-balance and jumbo purchase loans, FHA and VA financing, refinances and equity lines. Down payment assistance is one of the most underused tools in the Daly City market. Buyers assume they do not qualify or that the programs are too complicated, when in reality a first-time buyer with steady income and reasonable credit is often eligible for thousands of dollars in help.
Call Pacific National Lending for down payment assistance in Daly City: (916) 526-2700
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Daly City gives buyers a San Francisco-adjacent address at lower prices than the city itself, and many purchases involve multigenerational households pooling income, gift funds or family co-borrowers. Loan amounts usually land in high-balance conforming or jumbo range, and homes with in-law units need a lender who knows how appraisers and underwriters treat them. To use most assistance programs in Daly City, you must be a first-time buyer, meaning no ownership interest in a home in the past three years, occupy the home as your primary residence, complete a homebuyer education course and stay within the program's income limits for San Mateo County.
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Housing is mostly 1940s to 60s single-family homes built close together in Westlake, Serramonte, St. Francis Heights and the Crocker and Hillside neighborhoods, with condos and townhomes near Serramonte and a few newer infill developments. Our process for Daly City buyers using assistance starts with a standard pre-approval, then a review of every program you qualify for. We show you the combined loan structure, the total monthly payment and the cash to close with and without assistance, so you can choose with clear numbers.
To find out which down payment assistance programs you qualify for in Daly City, call (916) 526-2700 or apply online. We will check eligibility, explain the terms and build a plan around them. No credit pull at the first step.
Our down payment assistance clients in Daly City come from Westlake, Serramonte, St. Francis Heights, Crocker and every other part of the northern Peninsula. Daly City is roughly two hours from our Gold River office, and we handle Peninsula loans entirely by phone, email and e-signature.
Call Pacific National Lending at (916) 526-2700 or start your application online. We will review your goals, explain your options in plain English and give you real numbers for down payment assistance in Daly City.
Apply HereLearn more about the program itself: Down Payment Assistance · All loan options · Purchase · Refinance · Today's rates
Area photo: "View from San Bruno Mountain State Park to Southern Hills and 280 freeway" by Tim Adams, CC BY 3.0.
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