FHLBank San Francisco

Homeownership

Empowering Homeownership Matching Grants: Knowledge is Power

Historically, homeownership has been the primary means of wealth building for many Americans. For lower-income families and individuals, access to education can be the key to overcoming barriers to achieving and sustaining affordable homeownership that can create intergenerational wealth.

Our Empowering Homeownership matching grant program is designed to help HUD-approved Housing Counseling Agencies (HCAs) and Tribally Designated Housing Entities (TDHEs) throughout our three-state district expand capacity to serve more aspiring or at-risk homeowners. Recipients of this funding will help ensure that both homebuyers and homeowners have access to all the information they need to successfully purchase or retain ownership of a home of their own.

Matching grants to HCAs and TDHEs is one of many ways that FHLBank San Francisco partners with our member financial institutions to promote affordable homeownership for low-, moderate-, and middle-income individuals and families in our footprint. Since 2022, 23 participating members have donated nearly $2.5 million to 29 local HCAs, and the Bank has disbursed $3 million in match funding.

2025 Matching Grant Funds Available to Members Supporting Housing Counseling Agencies and Tribally Designated Housing Entities

For 2025, our board of directors has committed $1 million to match member donations $2-to-$1, up to a maximum of $200,000 per member, to HUD-approved Housing Counseling Agencies (HCAs) and Tribally Designated Housing Entities (TDHEs) in all corners of our district, whether urban, suburban, and rural communities, where they do business. Please note that the minimum match request is $10,000, and the maximum amount per member can be distributed to multiple recipients.

Bank members that want to participate in 2025 can request a matching contribution by completing a Certification and Disbursement Request form, which details the information an HCA and TDHE will need to provide to our member to receive the matching funds.