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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 248 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.

The lottery for the San Mateo County Resales has taken place. Please click here for lottery results.

The lottery for the San Francisco County Resales has taken place. Please click here for lottery results.

Remember that your lottery number determines the order in which your application will be processed. 

Do you meet the requirements?

  • Applicant/Co-applicant has not owned a home within the past three years.
  • 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%.
  • Households with an annual gross income of up to 80% of the area median income (AMI) may qualify. Current 2016 AMI ranges for San Francisco, San Mateo and Marin Counties. 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.