Applications

We build affordable homes for qualifying families earning between 50-80% Area Median Income in San Francisco, San Mateo and Marin counties.

To qualify you must show a need for housing, be willing to partner with us by contributing sweat equity in the construction of your home, and demonstrate the ability to pay.

Learn more below about the details of our program or fill out our interest form.

Program Guidelines

To be eligible for a Habitat Greater San Francisco 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 programs.

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

Approved homeowners qualify for a monthly housing payment (mortgage, property tax, insurance, HOA fee—if applicable) equal to 30% of their gross monthly income. Read below to learn more about the process and fill out the interest form to be notified when new homes become available.

Basic requirements

• Homeownership History — Applicants cannot have owned a home in the past 3 years.
• Credit, Debt, and Income
  • Household must be within income guidelines. See chart below.
  • Total debt-to-income ratio below 45%.
  • Minimum credit score of 650.

  Number of persons in household	2	3	4	5	6	7	8
  Minimum Income	$78,350	$88,150	$97,900	$105,750	$113,600	$121,400	$129,250
  Maximum Income	$125,350	$141,000	$156,650	$169,200	$181,750	$194,250	$206,800

  Please note the above requirements and income ranges are general guidelines only and may differ for each project.