The Employee Down Payment Assistance Program (EDPAP) is an employee benefit open to all full-time, regular County of San Mateo and Housing Authority employees who do not currently own a home in San Mateo County. Eligibility includes full-time, permanent employment with the County of San Mateo or Housing Authority for at least 18 months, regardless of income.

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 down payment assistance loan 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 awardees, for those moving to San Mateo County from outside the County to help cover closing costs.

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, December 22, 2020 and five names will be drawn.

To be entered in the December 22nd drawing, please e-mail your pre-approval to Nila Kim at or send via mail or drop off to:
Department of Housing, 264 Harbor Blvd., Bldg. A, Belmont, CA  94002.

The County will host several EDPAP "Lunch and Learn seminars.  Attend one of the County's EDPAP "Brown Bag Lunch" webinars: 

  • Wednesday, November 4th from 12:00-1:00 p.m.
  • Tuesday, November 17th from 12:00-1:00 p.m.
  • Wednesday, December 2nd from 12:00-1:00 p.m.
  • Tuesday, December 15th from 12:00-1:00 p.m.

For the attendee link, please check the County's "Upcoming Event" section of the County Intranet 
or to receive the attendee link via e-mail, please RSVP to Nila Kim at

This is a Microsoft Teams Live Event and can be viewed via your desktop, web or mobile.  Please make sure your computer has audio, as there is no call-in number.  You can click here for additional info on Teams Events from Microsoft.

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

  • Presentation from San Mateo County Employee Down Payment Assistance Program Seminar
  • Guidelines – San Mateo County Employee Down Payment Assistance Program
  • FAQ – San Mateo County Employee Down Payment Assistance Program

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