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BMR ownership programs help first time homebuyers who are low, moderate, and middle-income. BMR homes are specified units in San Francisco sold at below market rate prices. They are also resold at below market rate prices to future eligible buyers. BMR homeowners must work with MOHCD to sell their homes.

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All San Francisco ownership opportunity programs through the Mayor’s Office of Housing and Community Development (MOHCD) require completion of 10 hours of homebuyer education by ALL members of the household age 18 and older. Upon completion all 10 hours of education, you will receive a Verification of Homebuyer Education. Once you have also obtained a mortgage pre-approval from a MOCHD approved lender, you will be eligible to apply for all MOHCD sponsored homebuyer assistance programs.

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Find a lender for downpayment and mortgage assistance programs.

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Whether you’re new to homeownership or well along in your journey, there will be times when you have questions or concerns and could use some experienced, impartial insights and information.

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Maximum Income Per Household:

• One Person | $110,950

• Two People | $126,850

• Three People | $142,650

• Four People | $158,500

• Five People | $171,200

• Six People | $183,850

All applicants are encouraged to apply. Lottery preference will be given to:

• Certificate of Preference Holders: (COP) holders are households displaced in Redevelopment Project Areas during the 1960’s and 1970’s. This also includes direct descendants of individuals originally displaced.

• Displaced Tenant Housing Preference holders: (DTHP) holders are tenants who were displaced by an Ellis Act eviction, Owner Move In eviction and tenants displaced by fire.

• Neighborhood Residents: (NRHP) are residents living in the same supervisorial district or within ½ mile buffer of the project.

• Live or work in San Francisco: Residents currently living or working 75% of their working hours in San Francisco.

• US Military Veterans: If you are a Veteran, you can get priority within a preference category. You or someone on your application must qualify for at least one other lottery preference. *This does not apply to COP Holders.

Please contact 415-701-5500 or

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