Find and apply for Below Market Rate (BMR) housing listings with lotteries. Applications must be submitted for each project by their corresponding deadline. Lottery preferences improve your chances in a housing lottery. See if you qualify for lottery preferences.

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Find Below Market Rate (BMR) listings that previously had a lottery but not all units were sold and need more eligible applicants.

Applications are reviewed as they are received.

Purchase certain homes in the regular Market Rate in San Francisco with no lottery, no bidding, and no future Price Restriction.

Make sure to check out the $500,000 Downpayment Assistance specifically for the City Second Loan Program.

BEFORE APPLYING, MAKE SURE YOU :

1 Haven’t owned residential property in the past 3 years

2 Have meet MOHCD’s income requirements. Income eligibility differs between properties and it can range from 80%-120% Area Median Income (AMI). Please see each listing for details.

3 Complete 10 hours of eligible homebuyer education.

4 Get pre-approved for a mortgage loan by a MOHCD approved lender.

5 Have enough in savings for closing costs and downpayment. Closing costs vary depending on lender and other transaction fees but a rough 3% of purchase price is a good estimate. Additionally, there’s a minimum downpayment requirement of 3% of the purchase price, but it can come from gifts or downpayment assistance programs. Your housing counselor and mortgage lender will help you determine the correct amount.

Read full list of requirements for more details.