We build affordable homes for qualifying families earning between 50-80% Area Median Income in San Francisco, San Mateo and Marin counties.
To qualify you must show a need for housing, be willing to partner with us by contributing sweat equity in the construction of your home, and demonstrate the ability to pay.
Learn more below about the details of our program or fill out our interest form.
To be eligible for a Habitat Greater San Francisco home, applicants must meet our income and credit guidelines, in addition to other requirements, such as being willing and able to perform up to 500 hours of sweat equity (volunteer hours) on the construction site, attending workshops, and volunteering in other programs.
Our selection process includes a review of your finances and credit, employment history, residency, and other qualifications.
Approved homeowners qualify for a monthly housing payment (mortgage, property tax, insurance, HOA fee—if applicable) equal to 30% of their gross monthly income. Read below to learn more about the process and fill out the interest form to be notified when new homes become available.
| Number of persons in household | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
| Minimum Income | $78,350 | $88,150 | $97,900 | $105,750 | $113,600 | $121,400 | $129,250 |
| Maximum Income | $125,350 | $141,000 | $156,650 | $169,200 | $181,750 | $194,250 | $206,800 |
Source: Department of Housing and Community Development
Please note the above requirements and income ranges are general guidelines only and may differ for each project.
Application
Attend our Application Information Meeting, gather your paperwork and submit your completed application.
Lottery
We use a lottery to determine whose application we review first. For example, if your lottery number is 1, we review your application first.
Qualification & Selection
During this step we look at your income, credit and background to determine if you qualify.
Up to 500 Hours of Sweat Equity
Once your family has been selected, it’s time to put in your 500 hours of sweat equity and help build your new home.
Escrow Closing
This is the final stage where we do one last income, credit and background review to requalify you for your loan and start the escrow process.
Move Into Your New Home!
Enjoy the security and stability that comes with owning your own home.
Applications are only available when homes are available and we do not have a waitlist. If you have applied in the past, you will need to submit a new application each time we have homes available. All applications that are received on time and filled out completely will be entered into a lottery. The lottery ONLY determines the order in which your application will be reviewed. It does not guarantee you a home.
To get in touch regarding homeownership or to make an appointment please email: [email protected] or call 415 625 1041.
If you are interested in future homeownership opportunities, please fill out the short inquiry form below. When new homeownership opportunitites become available we’ll get in touch!
The City of Redwood City provides an online resource for those looking for affordable homes in the city. This includes listings as well as information about different housing options, including homeownership.
We are piloting a partnership with My Home Pathway, a mobile app that provides guidance, education and resources to first-time home buyers. Get started on your path to homeownership.
Please contact Habitat for Humanity Greater San Francisco at [email protected]