The Employee Down Payment Assistance Program is an employee benefit open to all full-time, County of San Mateo and Housing Authority employees. The program is designed to encourage employees to live within the County, decreasing the environmental impact and the physical/emotional effects of a long commute.

The program offers a $100,000 loan (second mortgage) towards the purchase of a home in San Mateo County. The loan is deferred for the first, five years amortized for 30 years at three percent interest. The County also offers a $5,000 grant to help cover closing costs, for awardees, moving to San Mateo County from outside the County.


  • County of San Mateo or Housing Authority employee;
  • Currently, full-time, permanent employee for at least 18 months;
  • No income restrictions and cannot currently own a home in San Mateo County.

To qualify for the drawing, employees must receive a pre-approval letter from San Mateo Credit Union. *Up to five loans will be available, via a drawing, each quarter while funds are available.

The next drawing will be: Tuesday, May 25, 2021 and three names will be drawn.

To be entered in the May 25th drawing, please e-mail your pre-approval letter to Nila Kim at

The County will host several Employee Down Payment Assistance Program “Lunch and Learn” seminars. Attend one of the County's Employee Down Payment Assistance Program “Brown Bag Lunch” webinars:

  • Wednesday, April 7th from 12:00-1:00 p.m.
  • Monday, April 19th from 12:00-1:00 p.m.
  • Thursday, May 6th from 12:00-1:00 p.m.
  • Wednesday, May 12th from 12:00-1:00 p.m.
  • Tuesday, May 18th from 12:00-1:00 p.m.

For the attendee link, please check the County’s “Upcoming Event” Intranet site: or to receive the attendee link via email, please RSVP to Nila Kim at

For more information about the program, please see the PDF’s below:

If you have additional questions, please contact Nila Kim at or via phone at (650) 802-5002.

*Number of drawees is dependent on funding availability.