Step by step

Apply for a home purchase loan from MOHCD

For buyers and lenders using MOHCD loan program funds to purchase a home in San Francisco.

If you are using City Second or Teacher Next Door program funds, income-eligible buyers can apply to use:

  • City Second loan funds to buy a City Second property. See details about the City Second Loan Program
  • Teacher Next Door (TND) loan funds to buy a market rate or below market rate property. See details about the TND program

Eligible buyers apply for funds with their lender after they sign their purchase agreement. Buyers are then considered borrowers of the loan program.


Lender submits a complete lender package into DAHLIA

The package must include:

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MOHCD will respond with an approval or denial letter

MOHCD will email an approval or denial letter to the borrower and the lender within 15 business days. If approved, the email will include draft loan documents and a request for the borrower to make a closing appointment with MOHCD.


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Borrower attends a pre-closing appointment at MOHCD

The buyer must meet via virtual appointment with MOHCD staff within 5 business days of the request to consent and acknowledge the Commitment Letter and Affidavit. After the virtual meeting with MOHCD staff, closing documents will be issued to the title company where the buyer will attend an in-person meeting to execute the final closing documents.

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MOHCD sends documentation to the title company

MOHCD emails escrow instructions and closing documents to the title company.

  • Funding as specified in the commitment letter will be placed on reserve for a period of 30 days from the date of the commitment.
    • If for any reason, escrow cannot close within the commitment period, please notify MOHCD immediately or the loan will be void.
  • Funding will be wired to the escrow account after MOHCD digitally receives and reviews all closing documents.
  • We require 5 business days for wire transfer.


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Last updated April 26, 2024