Empowering Homeownership - Matching Grants

Empowering Homeownership Matching Grants: Knowledge is Power

Thanks to the support of our participating member financial institutions across Arizona, California, and Nevada, the Bank’s $1 million funding allocation for the 2025 Empowering Homeownership has been fully committed and we are no longer accepting new requests. If additional funds become available, we will update our members.

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, 26 participating members have donated over $3.1 million to 33 local HCAs, and the Bank has committed $4 million in match funding.

For 2025, our board of directors 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. The minimum match request was $10,000, and the maximum amount per member could be distributed to multiple recipients.