For Current Owners

MOHCD has programs to help current owners repair their homes or help with a mortgage payment.

Current MOHCD program owners have additional requirements to follow when living in their home and when refinancing, repairing, or selling their home. We also have a quarterly newsletter for current MOHCD program owners.

Loan programs for repairs

San Francisco homeowners can use MOHCD funds to repair their units. We offer grants and loans, with each program having different sets of income criteria.

Note: Many of these programs are under construction.

  • COVER Loan

    For owners of 1-4 unit properties, to help fix their units after receiving a code violation.

  • CalHOME

    For owners of 1-4 unit properties, to help fix building code issues, healthy and safety hazards, and provide accessibility modifications.

  • Lead Hazard Remediation

    For owners of single-unit properties, to remediate lead hazards. This grant is prioritized for homes with children under the age of 6.

Mortgage Help

Your housing counselor can refer you to foreclosure prevention resources, including our Mortgage Assistance Loan Program (MALP) to help you with your mortgage payments.

For MOHCD program owners

The following resources are for homeowners who participated in our below-market-rate programs. These also apply to homeowners who used former SF Redevelopment Agency (SFRA) programs.

Post-purchase services

Annual Monitoring for MOHCD program owners

Even though you can still live in your unit after your income increases, MOHCD has other requirements for homeowners who participate in our below-market-rate programs.

For all programs, we'll ask for proof every year that everyone listed on the title lives at the home. You are not allowed to rent out your home on platforms like Airbnb. Be sure to read the manuals for your specific homebuyer program. We will ask for proof that all the rules are being followed.

Go to Homeowner Compliance Monitoring


We mail quarterly newsletters to all MOHCD homeowners.

PDF iconWinter 2018 BMR Homeowner Newsletter

PDF iconAugust 2017 Homeowner Newsletter

PDF iconMay 2017 Homeowner Newsletter

PDF iconFebruary 2017 Homeowner Newsletter