COVER Loan Program

The Code Violation Enforcement-deferred Rehab (COVER) loan program helps low to moderate income San Francisco owner-occupied property owners who have limited funds to fix their homes after receiving a code violation from the Department of Building Inspection (DBI).

You can apply for a COVER loan if you:

  • Own and occupy a property with 1-4 units
    • The property must be free of liens such as for delinquent taxes, judgments and mechanics liens.
  • Have received a Notice of Violation or Notice of Abatement from the Department of Building Inspection
  • Are at or below 120% of AMI for your household size

Household Size

120% AMI in 2018

1 Person


2 Person


3 Person


4 Person


Download the entire maximum income chart

COVER loan details

  • Interest rate: 1% simple, annual interest.
  • Loan term: No monthly payments for 10 years; Term renewable on a needs basis.
  • Restrictions: Owner occupancy restriction for the life of the loan.

Apply for a COVER loan

  1. Complete, sign and scan the PDF iconCOVER LOAN PROGRAM APPLICATION

  2. Compile the  application form and all required supporting documentation into one PDF file, and name the file “Property Address-Last Name, First Name” (Example: 123 Sample Street-Smith,John).  Upload your file using the button below.

    Upload your documents with Sharefile
    Sharefile will ask you to create an account

    If you do not have internet access or are unable to submit electronically, you may submit a paper application by US mail to:

    Mayor’s Office of Housing and Community Development
    Attn: COVER Loan Program
    1 South Van Ness Ave., 5th Floor
    San Francisco, CA  94103

    If you have specific questions regarding the application or the required supporting documentation, please work with a HUD-approved housing counseling agency.  For a list of HUD-approved housing counseling agencies please got to

After you apply

  1. MOHCD will look over your documents and determine if you are eligible for the loan.

  2. You may contact contractors for bids, using the PDF iconContractor COVER Loan Packet

  3. Work with MOHCD to complete, sign and record loan documents.

    • We'll send you an approval letter and full loan documents for you to review.
    • Sign these documents at MOHCD's office at 1 S Van Ness.
    • These documents must also be notarized and recorded before construction is started.
  4. After MOHCD emails a Notice to Proceed, contractor begins work on unit.

    • You are responsible for overseeing the project.
    • You must also schedule the final walkthrough with the Department of Building Inspection.
    • Get confirmation that the project is completed, in writing.
    • If there are change orders, provide them to MOHCD right away for us to review and approve.
  5. MOHCD pays the contractor.

  6. MOHCD will give you a project closure letter with the loan balance details.

If you have any questions, contact Ffely Charun at