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The Grateful Educators

Bridget Early and Kai King


Buyers: Bridget Early and Kai King
Bought: 3-bed, 1-bath in the Outer Sunset
Asking: $995K
Asking: $1.1M 
Realtor: Jennifer Rosdail, Keller Williams

Bridget Early, a social worker with the San Francisco public schools, can’t believe how nice her family’s new home is. Or the fact that she and her husband, Kai King, were able to afford it at all: “My real estate agent was like, ‘I still don’t know how you got that house.’”

She goes on about the threetiered backyard, planted with succulents, and the 1,000-square-foot bonus garage level where her kids can play and guests can spend the night. “Before this, we were in a tiny apartment above a woman who complained about our kids being loud. This is so different,” Early says.

So how did she and King, a middle school teacher, make it work? With funds from San Francisco’s Downpayment Assistance Loan Program (DALP), which helped the family of four plop down $395,000 for their down payment, allowing them to move out of their cramped apartment in the Inner Sunset and into a single-family house of their own. The DALP offers up to $375,000 toward a down payment. It’s a 30-year “silent” loan from the city, meaning that it requires no monthly payments; once the property is sold (or in 30 years, whichever comes first), the city recoups its money, plus an equitable appreciation.

The family also received the Teacher Next Door loan, a lump sum (at the time $20,000; since raised to $40,000) that is forgiven once the recipient has worked for the SFUSD for at least 10 years. “Not to sound like a cheeseball, but we are so grateful,” says Early, whose family was one of only 26 DALP loan recipients (out of 200 applicants) this year. “Every day for 30 years, my husband and I will think about it. Thank you, thank you, thank you. Thank you for allowing us to stay here.”

The Family Business
Broker, Lawyer, Designer, Mom
To the Locals Go the Spoils
Tell a Story, and Make It Good
The Lottery Winners
Riding Out the Recession
The Soul (and House) Mates
Three Boys and a Dream
Not in Texas Anymore
A Reward for the Faithful
A Gift from Grandma
The Grateful Educators
Chasing the Dream
The Renter No Longer
The Data Optimizers
An Accidental Homeowner
The “Oh-S**t” Moment
All Aboard in the Marina


Originally published in the November issue of San Francisco

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