Rental and ownership housing and lotteries
BMR rental programs
Each listing will tell you where to send in your paper application
BMR Ownership programs
The listing will tell you where to send in your paper application
- Applications for the ownership lottery
- After the lottery: BMR Ownership Supplemental Application
- Only for first come first served BMR units
- MOHCD Lender Closing Checklist
- For final approval after getting a ratified purchase agreement
City Second Program
Work with an approved lender to apply for City Second listings.
- DALP Manual
- DALP Full Application
- For applying to listings
- MOHCD Lender Closing Checklist
- For final approval after getting a ratified purchase agreement
- See the City Second Loan Application Process
- Grant of Right of First Refusal
- Required for all properties under this program. Read more about the Grant of Right of First Refusal
- City Deed of Trust (City Second)
- The City Deed secures the loan against the title of the property. The City loan will subordinate to the first mortgage.
- City Note (City Second)
- The City Note contains an acceleration clause, which will call the entire loan due and payable at the sale, rental, and title transfer of the property. The City Note also outlines the terms of repayment.
Downpayment assistance and loans
Downpayment Assistance Loan Program (DALP)
Downpayment loans that may be used to bid on a property on San Francisco's open market.
- DALP Manual
- DALP Lottery Application - removed
- The 2023 DALP application period has closed
- DALP Full Application
- For determining income eligibility after the lottery
- MOHCD Lender Closing Checklist
- For final approval after getting a ratified purchase agreement
Teacher Next Door (TND)
The Teacher Next Door program helps San Francisco Unified School District educators buy their first home in San Francisco.
- DALP Manual
- DALP Full Application
- For the purchase of a market-rate property
- MOHCD Lender Closing Checklist
- For final approval after getting a ratified purchase agreement
- Sample - TND Escrow Instructions and Closing Documents
Loan servicing for owners
- MOHCD Subordination Request Package
- MOHCD Insurance Claim Package.pdf
- Release of Lien Request Form
- Loan Payoff Request Package
Mortgage Credit Certificate / Reissue Mortgage Credit Certificate (MCC/RMCC)
A Mortgage Credit Certificate (MCC) gives homebuyers in San Francisco a tax credit of 15% their mortgage interest
Lender Portal User Guide
Lender participation and training
Every year, participating lenders must attend training and pay a fee.
Authorization to Release Information
Last updated April 1, 2024