Welcome! The first step in the process of purchasing your first home is to learn about the many opportunities available to first-time homebuyers in our city. Some of these opportunities are available through the Mayor's Office of Housing and Community Development (MOHCD), but many are not. So, BEFORE you apply to any of the programs at MOHCD, please complete a homebuyer education course and come up with an individual homeownership plan for your situation. Please contact one of our approved first-time homebuyer counseling agencies to get your plan started. After you have completed your homebuyer education and/or counseling, you will be eligible to apply for MOHCD's various homebuyer assistance programs.
Please also visit www.homeownershipSF.org for a "one-stop" source of information on affordable homeownership opportunities citywide and for a list of upcoming approved first-time homebuyer classes. HomeownershipSF serves as a centralized resource for affordable homeownership opportunities in San Francisco.
The Mayor's Office of Housing and Community Development offers qualified buyers a number of programs that can lower a homeowner's monthly mortgage payment and/or assist with a downpayment. If you are interested in receiving a second loan to help you purchase a market-rate property, or a tax credit that will lower your monthly payments, you may be eligible to use these programs.
BELOW MARKET RATE (BMR) OWNERSHIP OPPORTUNITIES (click)
The Mayor's Office of Housing and Community Development offers qualified buyers the option of purchasing homes that are priced below the typical market rate price. These homes must be sold to low-to-moderate income households and are restricted in their resale price. If you are interested in purchasing a restricted Below Market Rate (BMR) unit through the Mayor's Office of Housing and Community Development, you may be eligible to use these programs.
View properties currently available for sale under the Mayor's Office of Housing and Community Development.
Please sign up for our housing email alert system to learn about City-monitored affordable ownership opportunities as they become available.
All first-time homebuyer programs administered by the Mayor's Office of Housing and Community Development require that prospective homebuyers attend a homebuyer education counseling session at one of five approved nonprofit housing counseling agencies around the City.