Homeownership Applications

Habitat for Humanity Greater San Francisco sells affordable homes to low-income households within San Mateo, San Francisco, and Marin Counties. Approved homeowners qualify for a monthly housing payment (mortgage, property tax, insurance, HOA fee—if applicable) equal to 30% of their gross monthly income. Since 1989, we have built 248 homes within the tri-county area.

Process to Become a Homeowner

Attend Application Information Meeting
1

Attend Application Information Meeting

Submit your application
2

Submit your application

Lottery, 1st Income Qualification, Credit & Background Review
3

Lottery, 1st Income Qualification, Credit & Background Review

What does the Lottery do?

The lottery sets the processing order. Your lottery number indicates when your application will be reviewed for eligibility. For example, if your lottery number is 1, your application will be reviewed first.

Condition Approval by Habitat Board & Staff
4

Condition Approval by Habitat Board & Staff

Complete 250 and 500 Hours of Sweat Equity
5

Complete 250 and 500 Hours of Sweat Equity

2nd Income Qualification, Credit & Background Review
6

2nd Income Qualification, Credit & Background Review

Escrow closing process
7

Escrow closing process

Move into your new home!
8

Move into your new home!

Applicants must meet our income and credit guidelines, in addition to other requirements, such as being willing and able to perform up to 500 hours of sweat equity (volunteer hours) on the construction site, attending workshops, and volunteering in other Habitat programs.

Our selection process includes a review of your finances and credit, employment history, residency, and other qualifications.

Applications are only made available when homes are available. If you have applied in the past, you will need to submit a new application each time we have homes available. All applications that are received on time and filled out completely will be entered into a lottery. The lottery ONLY determines the order in which your application will be reviewed. It does not guarantee you a home.

Do I meet the requirements?

  • Applicant/co-applicant cannot have owned a home within the past three years at time of application.
  • Household must have lived together consistently for the past twelve months at time of application.
  • 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. AMI is calculated and updated each year by the Department of Housing and Urban Development. Please see the 2022 chart below for reference:

2022 Income Limits for San Mateo, San Francisco and Marin Counties

Number of persons in household 1 2 3 4 5 6 7 8
Very low income ($) 65,250 74,600 83,900 93,200 100,700 108,150 115,600 123,050
Low income ($) 104,400 119,300 134,200 149,100 161,050 173,000 184,900 196,850
Median Income ($) 116,200 132,800 149,400 166,000 179,300 192,550 205,850 219,100

Source: Department of Housing and Community Development

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Fill out our Homeownership Application form

If you are interested in future homeownership opportunities, please fill out the short inquiry form below. When new homeownership opportunitites become available we’ll get in touch!

Fill out the form

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Find partner resources

We are piloting a partnership with My Home Pathway, a mobile app that provides guidance, education and resources to first-time home buyers. Get started on your path to homeownership.

Learn more

    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

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