Habitat for Humanity Greater San Francisco

Home Ownership - San Francisco

Habitat for Humanity Greater San Francisco builds houses in partnership with families with very low incomes and sells the houses at no interest to qualified families.

Currently Accepting Pre-Applications

Requirements

Applicants must meet the current requirements:

    Residency

    • Must have lived or worked in San Francisco County consistently for 12 months.

    • Household must have lived together consistently for 12 months.

    • At least one applicant must be a legal U.S. resident or citizen.

    • Preference is given to applicants who reside in the neighborhood where homes are available.

    First-Time Homebuyer

    • Must not have owned or co-owned real estate in the last 3 years.

    Credit

    • Applicants must have a credit score of at least 650.

    • Applicants must have consistent on-time credit payments.

    Income

    • Income must meet HUD requirements of 40-60 percent of the median gross annual income for San Francisco households of comparable size, as reflected in the table below:

      • Less than $31,100 for 2 or less

      • $31,101 to $46,650 for a family of 3

      • $46,651 to $51,850 for a family of 4

      • $51,851 to $56,000 for a family of 5

      • $56,001 to $60,100 for a family of 6

      • $60,101 to $64,300 for a family of 7

      • More than $64,300 for a family of 8 or more

 

Applicants are evaluated based on three main areas:

    Need for Housing

    • Currently living in inadequate housing conditions, which are substandard, overcrowded, unsafe, or are paying rent too high in relation to monthly income.

    Ability to Pay

    • Can demonstrate a history of regular income.

    • Ability to make monthly payments on a no-interest mortgage, property taxes and insurance.

    Willingness to Partner

    • Must fulfill "sweat equity" commitment by contributing between 200-500 volunteer hours towards the mission of Habitat for Humanity Greater San Francisco, most of which is in the construction of the home.

    • Be responsible for the maintenance and repairs of the home from the time of move in.

    • Must be willing to show your support at events for Habitat developments and on occasion speak on behalf of Habitat and homeownership.

If you have questions regarding Redevelopment Agency Certificate Holders please click here. For questions regarding the program, please call: 415-625-1010.

Pre-Application
Pre-applications are accepted year-round. Families that fill out a pre-application are entered into our applicant database and will receive information on opportunities for the Habitat for Humanity Greater San Francisco home ownership program.

Habitat Greater San Francisco is able to provide the application, notices, sales documents and other materials in English. We encourage families from all backgrounds to apply. Habitat assigns all selected families with family support volunteers, and we do our very best to align bi-lingual volunteers with non-English speaking families.

Quick Links
• Pre-Application Form[PDF]
• For information about the Homeowner Selection Process, please click here.
• If Habitat for Humanity's program is not for you or your needs are more immediate, please refer to our list of other community resources in San Francisco. [PDF].

 

 


Habitat for Humanity Greater San Francisco