TOPIC
Buy a home with City help
Buy a below market rate home. Get a loan for a downpayment. Includes services for homeowners.
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How to buy a home with City help
First time homebuyers can buy a home at a below market rate price and get a loan for a down payment.Learn about buyingYou can also get City help to find and stay in an affordable rental. Includes low income and below market rate housing. Learn about renting.
Services
Buy a home at a below market rate price
First time homebuyers can buy a home in San Francisco at below market rate (BMR) prices.
Buy a home at a fair market price
Apply to buy a home at a price set by the open market. No bidding needed.
Apply for a downpayment loan
Get a loan up to $500,000 to buy a home at a below market rate (BMR) or fair market price.
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Apply to buy without a lottery
Apply to buy at a below market rate price without entering a lottery. We review applications in the order they come in.View listingsResources
For people looking to buy a home
Decide if buying a home with City help is right for you
The first step is to attend an orientation session about affordable homeownership programs.
Get priority in the housing lottery
Lottery preference programs give you a better chance at getting housing.
Sign up to complete homebuyer education
To buy a home with City help, you have to attend an orientation, a workshop, and meet a housing counselor.
How the affordable housing lottery works
A lottery determines your place in line to get housing. Find out how it works.
After a BMR homebuyer lottery
Learn what happens after a Below Market Rate homeownership lottery is run.
Eligibility for MOHCD housing programs
MOHCD housing programs have income and household size requirements. Some units are for specific populations.
Get emails about new housing opportunities
Find out when new affordable housing listings are posted on DAHLIA.
For current homeowners
Annual monitoring for homeowners
If you bought a home with City help, each year you must confirm that you are living there.
Get services if you bought a home with City help
Help for City program homeowners to refinance, improve, or resell their home.
Get an emergency loan
Get a loan to pay for past due mortgage, property taxes, HOA fees, or needed repairs.
Foreclosure resources
What to do if you are a San Francisco homeowner at risk of falling behind on house payments