For Current Owners
The San Francisco Mayor’s Office of Housing and Community Development (MOHCD) offers programs to help financially stressed, income eligible San Francisco homeowners preserve their homes with low or no interest loans and grants for home repairs and one time financial hardships.
Post Purchase Services for MOHCD Homeowners
Current homeowners who have bought their home utilizing a MOHCD first time homebuyer program are required to follow certain steps to document owner occupancy and when refinancing, repairing, or selling their home. MOHCD has a quarterly newsletter for current program owners that provides valuable information about workshops tailored for MOHCD homeowners.
San Francisco Homeownership Preservation Programs
MOHCD offers a variety of no monthly payment loans to assist homeowners with repairs and one time financial hardship such as an HOA Special Assessment. Please click on each specific program below for more information.
COVER Loan (Code Violation Rehab)
Help to fix code violations received from the Department of Building Inspections.
Previously known as MALP, this program provides a one-time emergency loan to homeowners with an unforeseen financial hardship.
CalHOME Rehab Program
Assistance to homeowners to make repairs and accessibility modifications to their home.
Assistance for homeowners to remediate lead hazards.
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.
You must contact MOHCD when refinancing your first mortgage.
You must contact MOHCD when the list of owners changes on your home.
You must contact MOHCD when making insurance claims to repair to your home.
Homeowners using Teacher Next Door, Police in the Community, and some City Second loans can have their loans forgiven.
Owners of MOHCD program units 10 years or older can get funds to maintain the quality of their home.
MOHCD Loans can be paid off before the loan term ends.
Guidelines about property inspection, home maintenance, and repairs on BMR units.
Guidelines about reselling your unit.
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.
For all San Francisco Homeowners
The Community Opportunity to Purchase Act, or COPA, is a new City law as of June 2019 that gives qualified non-profit organizations the right of first offer and/or the refusal to purchase eligible properties on the market to prevent tenant displacement and create long-term affordability. Properties that are 3 or more units and vacant land that could be developed into 3 or more units are subject to COPA.
Read the Community Opportunity to Purchase Act (COPA) FAQ's.
We mail quarterly newsletters to all MOHCD homeowners.