Obtaining Homebuyer education through HomeownershipSF is required to apply for the San Francisco Mayor's Office of Housing and Community Development (MOHCD) various  homebuyer assistance programs such as Below Market Rate (BMR) properties and Loan Assistance For First Time Homebuyers.

The Homebuyer education is provided through group workshops and personal counseling through the approved housing counseling agencies.  Make sure to contact your housing counseling agency to book an appoinment for personal counseling after attending the group workshops.

See First Time Homebuyer Workshop Calendar

When you have met all of your homebuyer education requirement (as indicated above) your housing counselor will issue a Verification of Homebuyer Education form. The Verification of Homebuyer Education form should be submitted with your qualified SF MOHCD application packet. Once submitting a complete application, you will be issued a lottery ticket to enter into contract. 

See BMR Lottery Results

Your official Certificate Of Homebuyer Education will be issued upon entering into a valid purchase contract and submitting the form Request for Homebuyer Certificate to your counseling agency. The certificate is valid for one year. Homebuyers are not required to attend workshops again until two years have elapsed.

Obtain a Request for Homebuyer Certificate


Additional Resources for Homebuyers

Find interactive mortgage calculators for experimenting with, and understanding, the different financial aspects of homeownership:

Additional Resources for Homebuyers are provided by: 


How do I start the homebuying process?

Step 1: Get prepared

Attending a first-time homebuyer workshop will help you learn about the home purchase process and make wise decisions.

Register for a workshop

Step 2: Find out if you qualify

Schedule an appointment with a housing counseling or lender. This meeting will determine if you qualify for a mortgage loan, and if, so how much you can afford.

Step 3: Shop for a home

After you know how much you can afford, you may choose to work with a real estate agent to find a market rate home or find an affordable (below market rate/BMR) home on your own.

Find affordable homes

Step 4: Look for mortgage assistance

There are a number of down payment and closing cost assistance programs available depending on the home you’re buying, your income and other factors.

Search for mortgage assistance programs