The Roof for Seniors Program (RSP) helps low-income seniors and/or disabled homeowners stabilize, repair, or replace a damaged or leaking roof, roof vents, and gutters.
RSP provides assistance up to $30,000 as a forgivable loan to seniors living in certain San Francisco census tracts. The loan will be fully forgiven 5 years after completion of improvements if the senior continues to own the home and live in it as their primary residence.
Applicant eligibility
- Own and occupy the property as your primary residence
- At least one household member must be 62 years or older or permanently disabled
- Total Household income does not exceed 80% of the Area Median Income (AMI)
The table below shows 80% AMI in 2026 for various household sizes. To find the AMI for larger households, view MOHCD's AMI Chart.
| Household Size | 80% AMI in 2026 |
|---|---|
1 person | $90,750 |
2 persons | $103,750 |
3 persons | $116,700 |
4 persons | $129,700 |
Property eligibility
The property must be a permanent, single-family home that is owner occupied and located in the City and County of San Francisco in the following census tracts:
| Census Tract | ||
|---|---|---|
170 | 260.01 | 310 |
To find your census tract, use this Map and enter your property address.
Apply for the Roof for Seniors Program
Click here to download the application. Once you have completed the application, please upload your application and supporting documents to the secure portal here.
Upon submission, if your application is incomplete, a MOHCD staff member will contact you and provide further guidance with a specified deadline.
Please read the RSP Program Overview for more details.
Note: Should you require any support accessing these documents, please reach out to homeownership.applications@sfgov.org or call (415) 701-5500 and we will gladly assist you.
Application process
Applications are reviewed on a first come, first served basis; funds are reserved for those who meet all program requirements.
The entire process may take up to 10 months after the application is submitted. All times listed in the table below are approximate; the processing times can vary depending on factors such as eligibility verification, the scope of work, and contractor's availability.
Application timeline
| Period | Time span | Action required from |
|---|---|---|
Application Submission: | 30 calendar days | Owner |
Pre-Approval: | 15 business days | MOHCD |
Roofing Contractor Estimates: | 30 calendar days | Owner |
Contractor Selection and MOHCD approval: | 15 business days | Owner, MOHCD |
Docs Signing and Loan Funding: | 30 calendar days | Owner, |
Rehab Period: | 90 calendar days | Contractor |
Project Closeout: | 15 calendar days | Owner, MOHCD |
Roof for Seniors Program forms
Note: Should you require any support accessing these documents, please reach out to homeownership.applications@sfgov.org or call (415) 701-5500 and we will gladly assist you.