Requirements before you apply

Besides the income-eligibility and first-time homeowner requirements, you must also:

  1. Go to homebuyer education

    In general, every adult in the household must finish homebuyer education. The 10-hour program is supported by MOHCD through HomeownershipSF.org. It consists of:

    1. A 2 hour free program orientation which you can sign up for at the HomeownershipSF website
    2. A group workshop (6 hours total) presented by a local community organization
    3. A 2-hr 1-on-1 meeting with a housing counselor at the same organization. They will determine your homeownership-readiness. The counselor will also help you figure out which housing program will be right for you. To do this, they will go over your financial situation, using up to:
      • 3 months of your most recent bank statements
      • 3 years of your most recent tax returns
      • 3 most recent paystubs

    The certificate you receive when finishing homebuyer education will be valid for one year. 

    Register for a homebuyer workshop

    See the approved homebuyer counseling agencies

  2. Get a mortgage loan pre-approval letter from a MOHCD-approved lender

    There are BMR program lenders, and DALP program lenders on the MOHCD-approved lender list

    As with the housing counselor, the lender will look at your financial situation, using up to:

    • 3 months of your most recent bank statements
    • 3 years of your most recent tax returns
    • 3 most recent paystubs

    You need a mortgage loan pre-approval letter (dated within the past 120 days) to apply for any homeownership listings.

    See our list of MOHCD-approved lenders

For detailed eligibility requirements, refer to the latest Inclusionary Housing Program Manual (page 26)

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  1. Requirements before you apply
  2. Apply for current homebuyer listings
  3. How the lottery works
  4. After the lottery
  5. Annual monitoring