Habitat for Humanity Greater San Francisco - Homeownership Program
Assistance grant · New construction · Income limit 80% of AMI
Habitat-built single-family home
See details Jun 2026
Down payment assistance · California
Buying a home in San Francisco County, CA
1 county-wide program, 1 city with their own, plus 43 statewide and 62 nationwide.San Francisco has 1 program that covers the whole county and 1 city with a program of their own. On top of those, 43 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in San FranciscoAnywhere in San Francisco County
1 program for every San Francisco address1 program that covers every San Francisco address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in San Francisco can use it. It is for first-time homebuyers and ask for a homebuyer class.
AMI is HUD’s area median income for San Francisco, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
1 city with their own program1 San Francisco city with their own program
For a home inside that city, on top of the county-wide 1.A city program is for a home inside that city. Buying there? It sits on top of the 1 county-wide program above.
The San Francisco marketThe San Francisco housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in San Francisco
- 18% single-familysingle-family
- 12.4% townhousetownhouse
- 20.1% 2–4 units2–4 units
- 49.2% 5+ unitscondo & apartment buildings (5+ units)
- 0.2% mobile & othermobile home & other
Condos count. 0 of the 1 county-wide program and all 11 city programs list condos as eligible. Habitat for Humanity Greater San Francisco - Homeownership Program lists habitat-built single-family home.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When San Francisco’s homes were built
pre-19401970s2020+
76.5%
of San Francisco homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$200,800
HUD area median income, 4 people (FY2026)HUD area median income, San Francisco County, 4-person household (FY2026)
$140,970
Median household income (ACS 2024 5-year)Median household income in San Francisco (Census ACS 2024 5-year)
38.2%
of occupied homes are owner-occupied (California: 55.9%)
The two income figures measure different things. HUD’s area median income is the one programs use. 49 of the 117 programs here set their income limit as a share of San Francisco County’s area median income, adjusted for household size. See the published limits for San Francisco County
Free help in San FranciscoFree help in San Francisco
5 HUD-approved counseling agencies with an office in the county5 HUD-approved housing counseling agencies with an office in San Francisco County
12 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 12 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Find my counselor
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in San Francisco County.
1 city and placeA to Z
All cities in San Francisco CountyAll 1 city and place in San Francisco County
has a program of its own
San Francisco questions
Can I use a county program anywhere in San Francisco?
The 1 county-wide program cover homes anywhere in the county. City programs, like San Francisco’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in San Francisco County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do San Francisco programs accept condos?
0 of the 1 county-wide program and all 11 city programs list condos as eligible. Habitat for Humanity Greater San Francisco - Homeownership Program lists habitat-built single-family home. The agency confirms it for the home you choose.
Where can I take a homebuyer class in San Francisco?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies have an office in San Francisco County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.