Downpayment and closing costs are significant barriers to homeownership. In an environment where home prices and interest rates are rising, more middle-income households are struggling to achieve the dream of owning a home of their own. To help put sustainable homeownership within reach for more families and individuals — including many who are among the most essential members of our community, like teachers, police officers, firefighters, and administrative and other service workers — FHLBank San Francisco has launched a $20 million Middle-Income Downpayment Assistance grant pilot.