CITY FUNDS
NCF CA Partnership
Homeownership Support for Ministry Staff Across Northern California
Rising housing costs across Northern California are making it harder for ministry leaders and nonprofit staff to live where they work. The NCF CA Partnership helps turn charitable and mission-aligned capital into homeownership opportunities—strengthening ministries, supporting families, and stabilizing local communities.
What This Fund Does
The NCF CA Partnership uses a shared-equity financing model to help ministry staff and nonprofit employees access stable, affordable homeownership across Northern California. The fund is designed to:
Bridge the down payment gap so staff can buy homes and build long-term stability.
Mobilize charitable and impact capital through donor-directed DAF investments and mission-aligned investors.
Support ministries and nonprofits by improving staff retention and long-term community roots.
By combining organizational capital, philanthropic resources, and impact investment, the fund expands access to homeownership while creating measurable community impact.
Why It Matters
Across much of the country, home prices now exceed six times the average household income, making it increasingly difficult for ministry leaders and staff to live in the communities they serve. As housing becomes less affordable, ministries struggle to recruit and retain great people, staff face financial stress and long commutes, and communities lose long-term stability and continuity.
The NCF CA Partnership helps address this challenge by making homeownership more attainable, strengthening ministry impact, and putting charitable capital to work in a sustainable, measurable way—so the people who serve Northern California can remain rooted in the communities they care for most.
Who Is This Fund For?
The NCF CA Partnership is designed to serve:
Ministry Staff & Nonprofit Employees
Full-time ministry and nonprofit workers who need support accessing affordable homeownership in Northern California.
Ministries & Organizations
Churches and nonprofit organizations seeking a long-term housing benefit to help recruit, retain, and support great people.
Donors & Impact Investors
Mission-aligned individuals and organizations who want to deploy charitable capital or investments toward measurable housing impact, with potential returns of 3–9% IRR
If you’re seeking housing support or exploring ways to participate as a donor or investor, this fund provides a collaborative path forward.
How It Works
The NCF CA Partnership uses a shared-equity home financing model to benefit all stakeholders. It helps ministries attract and retain great staff, gives families more affordable and stable homeownership, and allows donors and impact investors to create measurable community impact with potential 3–9% IRR returns. Together, this model turns charitable and mission-aligned capital into long-term housing stability across Northern California.