Basic requirements

  • Homeownership History — Applicants cannot have owned a home in the past 3 years.
  • Credit, Debt, and Income
    • Household must be within income guidelines.
    • Total debt-to-income ratio below 45%.
    • Minimum credit score of 650.
  • Applicants must be permanent residents or U.S. citizens
  • Sweat Equity — Each household must complete 250 volunteer hours towards construction, education, and other opportunities
  • Household must be between 3-5 people to qualify
  • Household income must be within ranges listed below:
Number of persons in household345678
Minimum Income$83,900$93,200$100,700$108,150$115,600$123,050
Maximum Income$134,200$149,100$161,050$173,000$184,900$196,850

Source: Department of Housing and Community Development

Homeownership Applications

Habitat for Humanity Greater San Francisco sells affordable homes to low-income households within San Mateo, San Francisco, and Marin Counties. Approved homeowners qualify for a monthly housing payment (mortgage, property tax, insurance, HOA fee—if applicable) equal to 30% of their gross monthly income. Since 1989, we have built 248 homes within the tri-county area.

Process to Become a Homeowner

Attend Application Information Meeting

Attend Application Information Meeting

Submit your application

Submit your application

Lottery, 1st Income Qualification, Credit & Background Review

Lottery, 1st Income Qualification, Credit & Background Review

What does the Lottery do?

The lottery sets the processing order. Your lottery number indicates when your application will be reviewed for eligibility. For example, if your lottery number is 1, your application will be reviewed first.

Condition Approval by Habitat Board & Staff

Condition Approval by Habitat Board & Staff

Complete 250 and 500 Hours of Sweat Equity

Complete 250 and 500 Hours of Sweat Equity

2nd Income Qualification, Credit & Background Review

2nd Income Qualification, Credit & Background Review

Escrow closing process

Escrow closing process

Move into your new home!

Move into your new 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 Habitat programs.

Our selection process includes a review of your finances and credit, employment history, residency, and other qualifications.

Applications are only made available when homes are available. 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.

Do I meet the requirements?

  • Applicant/co-applicant cannot have owned a home within the past three years at time of application.
  • Household must have lived together consistently for the past twelve months at time of application.
  • Applicants have a minimum credit score of 650.
  • Applicants have a history of reliable payments on their credit report.
  • Applicant’s debt to income ratio is below 45%.
  • Households with an annual gross income of up to 80% of the area median income (AMI) may qualify. AMI is calculated and updated each year by the Department of Housing and Urban Development. Please see the 2022 chart below for reference:

2022 Income Limits for San Mateo, San Francisco and Marin Counties

Number of persons in household12345678
Very low income ($)65,25074,60083,90093,200100,700108,150115,600123,050
Low income ($)104,400119,300134,200149,100161,050173,000184,900196,850
Median Income ($)116,200132,800149,400166,000179,300192,550205,850219,100

Source: Department of Housing and Community Development


Fill out our Homeownership Interest form

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!

Fill out the form


Affordable Homes in Redwood City

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.

Visit the site


Find partner resources

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.

Learn more


Please contact Habitat for Humanity Greater San Francisco at

Bolinas Lottery Results

Applications for the homes for sale in Bolinas homes are now closed. The lottery to determine the order in which applications are processed was conducted on Friday, November 11, 2022. The results of the lottery are listed below.

Lottery Rank12345678910111213
Lottery ID00021024000210160002104800021012000210050002103200020997000209870002102600021008000209850002103500020991
Lottery Rank14151617181920212223242526
Lottery ID00021037000209890002101800021001000209930002104300020995000210220002101400021020000210030002104100021010

Habitat Homes in Bolinas

*Please note: applications for these homes are now closed.

In partnership with the Bolinas Community Land Trust (BCLT), Affordable Prefabricated Homes for Sale on Overlook Drive in Bolinas, CA

  • (2) Three-bedroom prefabricated, Two-bath homes
    Average of 1100 square feet
  • 2 parking spaces per home
  • Homes will be sold as Tenancy in Common (TIC) with ongoing supportfacilitated by the Bolinas Community Land Trust (BCLT)
  • Homes include dishwasher, washer, dryer, stove/oven, and refrigerator
  • Less than a mile from downtown
  • Image shown is representative of available homes.
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