California · Nonprofit
HOUSING TRUST SILICON VALLEY
HOUSING TRUST SILICON VALLEY (California) receives grants from 22 organizations whose IRS filings report $33,617,318 to it, the largest being GS DONOR ADVISED PHILANTHROPY FUND FOR WEALTH MANAGEMENT INC ($30,000,000). 10 of them have funded it in more than one year, and 91% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
- Revenue FY2025
- $56M
- Funders on record
- 22
- Grants received
- $34M
- Net assets
- $183M
What Housing Trust Silicon Valley does
Mission
Our mission at Housing Trust Silicon Valley, is to use transformative housing finance and public and private partnerships to create more equitable and affordable communities.
As stated on its FY2025 Form 990.
Programs
The competitive real estate market in the greater bay area creates a challenging environment for affordable housing development. Since 2000, housing trust has made loans to 208 affordable housing projects, totaling over $620 million in funding and resulting in 18,945 affordable rental homes. Our borrowers are typically community-based, non-profit and mission aligned for-profit affordable housing developers whose collective mission is to increase and preserve the affordable housing stock in the communities they serve, and by so doing, revitalize such communities. We lend in the greater bay area including alameda, contra costa, marin, monterey, napa, sacramento, san benito, san francisco, san joaquin, san mateo, santa clara, santa cruz, solano, and sonoma counties.
$6,583,202 spentof which $297,874 as grants$8,591,579 earned by the program68% of program spendingSix-figure down payments can put the dream of homeownership out of reach. Housing trust offers first time homebuyers the education and counseling and deferred interest loans. Housing trust's homebuyer team offers one-on-one sessions that cover topics including saving for a down payment and reserves, how to select and work with realtors and mortgage loan officers and what to expect upon closing on a new home. Housing trust's financial products reduce the burden of 20% down payment requirements and bridge the gap between what low- to middle-income buyers can afford to borrow and the equity required to do so. Since 2000 we have offered homebuyer down payment assistance as deferred, amortizing and equity share loans, depending on income level and needs of the borrower. Our loans under these programs range from $6,500 to $250,000. We have made 2,635 down payment assistance loans totaling over $66 million since our founding. In fy25, housing trust provided education and counseling to 382 hopeful homebuyers, made twenty down payment assistance loans.
$1,005,517 spent$779,754 earned by the program10% of program spendingPolicy and education: housing trust engages in policy and education efforts to strengthen the affordable housing market in our region. This includes supporting local and state initiatives that promote affordable housing development and advocating for policies that address housing affordability.
$197,187 spentof which $25,000 as grants2% of program spendingOther programs
$1,936,499 spent$17,455 earned by the program20% of program spending
The 4 programs described on its FY2024 Form 990, listed largest first by expense. Program spending in total: $9,722,405.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2019 to 2020, from $167M to $224M (+34%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Government-grant reliance: 2017 62% · 2018 57% · 2019 50% · 2020 4% · 2021 14% · 2022 18% · 2023 7% · 2024 2% · 2025 2%. Grants only. Government contracts and fees sit inside program revenue.
76% of HOUSING TRUST SILICON VALLEY’s revenue is contributions — more reliant on donations than three-quarters of its peers (13% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 0 of the last 9 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Chief executive
Antonieta Ramos
Chief executive officer
Board chair
Lisa Gutierrez
Chair
As listed on its FY2025 Form 990.
Who funds it, year by year
2017 → 2023: the base narrowed from 8 funders to 6 funders, grant income fell $660k → $600k.
6 of 22 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 91% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
Left out of every figure on this page: $1.8M from 4 payers (the payer shares this organization's board, largest The Silicon Valley Leadership Group Foundation). These are real filings, and they are not money HOUSING TRUST SILICON VALLEY raised.
From the IRS filings of HOUSING TRUST SILICON VALLEY’s funders (the co-funder graph). Top 21 of 22 funders by total. Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
HOUSING TRUST SILICON VALLEY leans on a few funders — its largest provides 89% of grant income and the top three 94%; half comes from just 1 funder.
the vertical line marks half of all grant income — 1 funder to its left
93% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund HOUSING TRUST SILICON VALLEY.
Largest funder’s share by year: 2017 76% · 2018 48% · 2019 88% · 2020 35% · 2021 56% · 2022 44% · 2023 42% — diversifying over time.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How long its funders stay
39% of HOUSING TRUST SILICON VALLEY's funders are still giving 3 years after their first grant; 45% give in more than one year at all.
Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.
Where its funders are
91% of HOUSING TRUST SILICON VALLEY's grant income arrives through donor-advised or pass-through sponsors, whose addresses record where the money is held rather than where the donor is. Of the $3.0M that is directly attributable, 51% of it comes from California funders.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $31M arriving through sponsors registered in 6 states is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
HOUSING TRUST SILICON VALLEY runs a healthier operating margin than three-quarters of the 488 housing & shelter nonprofits its size.
this organization peer median middle 50% of peers· 488 housing & shelter nonprofits $10M–$100M, FY2025
Government funding HOUSING TRUST SILICON VALLEY receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $8.9M on record.
- Department of the Treasury$8.9M
Federal grants vs contracts are distinguished; state line items keep their reported category. Matched by name + geography (the BMF), so coverage is partial and precision-first.
Organizations like HOUSING TRUST SILICON VALLEY
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In California
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
71% of spending goes to programs.
Governance
Public support
47%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 1 state
Part of a family of 1 related entity
- Ltoa LLC · disregarded
Screen this organization
A dated, signed PDF of the compliance screen for HOUSING TRUST SILICON VALLEY: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds HOUSING TRUST SILICON VALLEY?
- HOUSING TRUST SILICON VALLEY (California) receives grants from 22 organizations whose IRS filings report $33,617,318 to it, the largest being GS DONOR ADVISED PHILANTHROPY FUND FOR WEALTH MANAGEMENT INC ($30,000,000). 10 of them have funded it in more than one year, and 91% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
- How many funders does HOUSING TRUST SILICON VALLEY have?
- IRS filings report 22 organizations giving $33,617,318 in grants to HOUSING TRUST SILICON VALLEY, 10 of which have funded it in more than one year.
- Who is the largest funder of HOUSING TRUST SILICON VALLEY?
- GS DONOR ADVISED PHILANTHROPY FUND FOR WEALTH MANAGEMENT INC is the largest funder on record, with $30,000,000 in grants. The full list of funders is on this page.
- How can an organization like HOUSING TRUST SILICON VALLEY find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in California. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2017–2025), and the filings of 22 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 22, 2026. What this page cannot tell you · view filing