For Current Owners

The San Francisco Mayor’s Office of Housing and Community Development (MOHCD) offers programs to assist financially stressed, income qualified 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 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 homeowners.

San Francisco Homeownership Preservation Programs

MOHCD offers a wide variety of low and no interest loans available to low and moderate income homeowners for repairs and one time financial hardship.  Please click on each specific program below for more information.

Note: Some of these programs are under construction.

  • COVER Loan

    For owner-occupied homeowners of 1-4 unit properties, to help fix their units after receiving a code violation from the Department of Building Inspection.

  • CalHOME

    For owner-occupied homeowners of 1-4 unit properties, to help fix building safe and healthy hazards, and provide accessibility modifications.

  • HELP (Homeowner Emergency Loan Program)

    *Previously known as MALP*
    For San Francisco homeowners who are in need of a one-time emergency financial assistance loan due to an unforeseen financial hardship.

  • 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.


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 iconSpring 2019 Homeowner Newsletter

PDF iconWinter 2018 BMR Homeowner Newsletter

PDF iconAugust 2017 Homeowner Newsletter

PDF iconMay 2017 Homeowner Newsletter

PDF iconFebruary 2017 Homeowner Newsletter