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We are thrilled to offer one previously-owned, affordable home for sale. Applications for this home will open starting on Thursday, May 8, 2025 and close on Thursday, June 5, 2025. You must attend an information session prior to applying, you can sign up below. Once the application cycle starts on May 8, you can fill out a pre-screening form. Those who fill out this prescreening form will be entered into a lottery, that will be conducted by the Mayor’s Office of Housing and Communtiy Development (MOHCD) on Tuesday, July 1, 2025. Invitations to fill out a full application will then be sent out in lottery rank order. Following the lottery, MOHCD will review applications and determine eligibility.
Read below for more information about the home, eligibility requirements and to sign up for an information session.
1038 Innes Avenue, San Francisco
- One single-family home
- 1,375 square feet
- Three Bedrooms, Two Bathrooms
- Patio, back yard, front yard
- One-car garage
- Washer/dryer, stove/oven, refrigerator
- Minimum household size of three people
- 50%-80% Area Median Income (AMI)
Information Sessions
Applicants are required to attend an information session prior to starting the application process. Please sign up below:
- Friday, May 2, 12:00pm (English) – COP holders only
- Wednesday, May 21, 6:30pm (English)
How to Apply
You can start your application once you complete an information session. The link to access the online application will be available on this page starting on May 8, 2025.
MOHCD will monitor this City Second Loan Program (CSLP) property. For questions about the COP Program, please contact the COP Hotline at 628-652-5801 or [email protected]
Requirements to apply
Applicants must meet our income and credit guidelines, in addition to other requirements, such as being willing and able to perform 250 hours of sweat equity (volunteer hours) at a construction site, by attending workshops, as well as volunteering in other Habitat programs.
The selection process includes a review of your finances and credit, employment history, residency, and other qualifications.
If you have applied for a Habitat for Humanity Greater San Francisco home in the past, you will need to submit a new application for this home. All pre-applications that are received on time and filled out completely will be entered into a lottery. Please only submit one pre-application per household; multiple applications are reason for immediate disqualification. The lottery ONLY determines the order in which your application will be reviewed. It does not guarantee you a home.
- Must have a minimum credit score of 650
- Must have history of reliable payments on credit report
- Must be willing to complete 250 hours of sweat equity
- Applicants must be first time homebuyers and have not owned a residential property in the last 3 years
- Applicants must have a total debt-to-income ratio below 45%
- Must be permanent residents or US Citizens
- Must be a household with a minimum of 3 members to qualify
- Gross household income must be within the 50%-80% range of the 2024 San Francisco County Area Median Income (AMI). See table below for details:
| Income Limits (by household size) | 3 person household | 4 person household | 5 person household | 6 person household | 7 person household | 8 person household |
| Minimum Income Limit (50% AMI) | $88,200 | $98,000 | $105,850 | $113,700 | $121,500 | $129,350 |
| Maximum Income Limit (80% AMI) | $140,900 | $156,600 | $169,150 | $181,650 | $194,150 | $206,700 |
If you have any questions, please contact the Homeownership & Community Engagement Department at [email protected] or 415-625-1041.
FAQs
What if I don't meet all the eligibility criteria?
We encourage you to apply and let us determine your eligibility.
What is "Sweat Equity"?
Habitat GSF requires all potential buyers to complete sweat equity (up to 500 volunteer hours). The requirement for this previously built home is 250 hours.
You can get help with your sweat equity by having friends and family volunteer with you.
Sweat equity is not designed to be a barrier; we work with each family to ensure they finish their sweat equity in a safe and timely manner.
What is the HOA responsible for?
Maintaining and repairing common areas (homeowners are responsible for repairs in their units).
Will I need to pay my own utilities or will the HOA pay them?
You are responsible for paying for your own utilities.
Are there monthly HOA fees?
Yes, fees are subject to change annually.
Is there parking?
Yes, parking is included.
How does the lottery work?
Pre-applicants will be given a unique ID number via email.
On July 1, 2025, San Francisco’s Mayor’s Office of Housing (MOHCD) will host a live, virtual lottery. Attendance is optional.
Pre-applicants’ IDs will be randomized and given a spot in the lottery.
You can check your lottery rank at https://housing.sfgov.org. The lottery results will be posted at the top of this page on Tuesday, July 8.
MOHCD will invite applicants to complete the full application based on lottery number. For example, the applicant who gets lottery #1 will be the first person invited to complete the full application. They will go down the list in lottery order until the unit is filled by a qualified buyer.
What is considered an asset?
Checking and savings accounts
Retirement accounts/401(k)s
Stocks and bonds
Property
Are pets allowed?
Yes, limits may apply.
Do I have to have a co-applicant to apply?
No. Please keep in mind that applicants will become legal title holders and will be responsible for making all monthly payments on time.
Will Habitat Greater San Francisco be my landlord?
No, Habitat GSF is only the lender as this is not a rental unit.
If I applied for a Habitat GSF home in the past and I was not selected, do I need to reapply?
Yes, you will need to reapply. Please note, Habitat GSF does a new, random lottery each time new homes become available.