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Interested in Homeownership?

Inquiry Form

Please provide a valid email address to receive updates about our programs, including current homeownership application information. You will receive an initial email once you click “Submit” – please ensure your email settings allow you to receive messages from Habitat.

Detailed description of household size here.

Calculated as income received from all adults living in the home and children over 18 years of age  - Includes regular employment, self-employment, gratuities and commissions BEFORE tax and other deductions, child or spousal support, employment insurance, Pension, Social Security, disability pension, Worker’s Compensation, investment income, etc.

Note: This information is being used for programmatic purposes only and will not be used as qualification or eligibility for a Habitat homeownership application


Need assistance with this form?

Own a Home

Our homes are sold at no profit with 0 percent interest and $ 0 down payment. Approved homeowners qualify for a monthly housing payment (mortgage, property tax, insurance, HOA fee if applicable) equal to 30% of their monthly income. Since 1989, we have built more than 200 homes in San Francisco, Marin, and San Mateo Counties.

Process to becoming a homeowner

Applicants must meet our income guidelines, have reasonable credit histories, a manageable level of debt and be willing and able to perform up to 500 hours of "sweat equity" to build their own homes. The entire process including the selection process, building of the home and sweat equity can take about a year.

Our selection process for interested applicants includes a review of financial status, job history, residency and other qualifications. 

how to become a homeowner graphic

Graphic designed by Amanda Papapietro

Available Habitat Homes

There are no current Habitat homes available to apply for at this time. Please check back later.

Do you meet the requirements?

  • Applicant is a first-time homebuyer, which is someone who has not owned a home within the past three years. (first-time homebuyer links to FAQ)
  • Household must have lived together consistently for the past 12 months.
  • Applicants have a minimum credit score of 650.
  • Applicants have a history of reliable payments on their credit report.
  • Applicant’s debt to income ratio is below 45%.
  • Household’s gross annual income must be between 40-60% of the area median income (AMI) as defined by the U.S. Department of Housing and Urban Development (HUD), though for some homes, those with incomes equal to up to 80% of the area median income may qualify. AMI guidelines are subject to change annually and/or per development.
  • Have questions? Visit our Frequently Asked Questions page.


Above are baseline requirements for applying for homeownership with Habitat for Humanity Greater San Francisco.


Below Market Rate Homes

Habitat for Humanity Greater San Francisco continues to come up with new ways to build affordable homes in an unaffordable city. The available 17 Below Market Rate (BMR) homes are not traditional Habitat for Humanity homes. The BMR homes are made available through the San Francisco Mayor’s Office of Housing and Community Development. The BMR homes located at Habitat Terrace provides first-time homeownership opportunities to families who make less than the area median income and far less than a family would need to buy a market rate home. 

BMR Application's for Habitat Terrace are now closed. Please see BMR LOTTERY RESULTS on the San Francisco Mayor’s Office of Housing and Community Development website for lottery results after Thursday, October 6.