San Francisco County, California · Loan
Roof for Seniors Program (San Francisco MOHCD)
Run by San Francisco Mayor's Office of Housing and Community Development (MOHCD)
Low-income San Francisco homeowners who are 62 or older or permanently disabled, in listed census tracts (mostly the southeast of the city) or with an active MOHCD loan, can get up to $30,000 as a forgivable loan to repair or replace a damaged or leaking roof, vents and gutters. It is forgiven after 5 years if they still own and live in the home.
Amounts
How much you get
Up to $30,000 as a forgivable loan, fully forgiven 5 years after the work is finished if the senior still owns and lives in the home.
Eligibility
Do I qualify?
You need to meet all 6 of these.
Your home is in San Francisco County, California.
The home must be in one of the listed census tracts (170, 230.01-264.04, 310-314.02, 352.02, 604, 605.02, 610, 612, 614.01) or have been bought through MOHCD's homeownership program with an active MOHCD loan. Use the city's map to find your tract.
At least one household member must be 62 or older or permanently disabled.
Household income at or below 80% of AMI (2026): $90,750 for 1 person, $103,750 for 2, $116,700 for 3, $129,700 for 4.
People in your home Income at or below 1 $90,750 2 $103,750 3 $116,700 4 $129,700 Own and live in the home as your primary residence.
A permanent, owner-occupied single-family home.
Equipment
What equipment counts
Applying
How to apply
You apply online. Get approved before you buy anything.
- Submit a complete application.
Download the application and upload it with supporting documents to MOHCD's secure portal.
- Get pre-approval.
MOHCD issues a pre-approval letter (about 15 business days).
- Get 3 roofing bids.
From licensed contractors, within about 30 days.
- Final approval and loan signing.
MOHCD approves the contractor; you sign the forgivable loan documents with a title company.
- Roof work and closeout.
About 90 days of work; the whole process can take up to 10 months.
Questions about applying(415) 701-5500 or homeownership.applications@sfgov.org
Stacking
Use it with
Your address
Next steps
Check that it covers your address. This program has to approve you before you buy anything, so start with the program, not a contractor quote.
Is it available at your address?
Before anything else
Apply on the program’s site and wait for approval before you buy.
Your quote request is in If a contractor we work with serves your ZIP, they can contact you. We take one request per person; contact us to change it.
Get an email if this program changes
We'll write if its amount, status or deadline changes. Nothing else.
FAQ
Questions
How much does Roof for Seniors Program (San Francisco MOHCD) pay?
Up to $30,000.
Is there an income limit?
Household income at or below 80% of AMI (2026): $90,750 for 1 person, $103,750 for 2, $116,700 for 3, $129,700 for 4.
Do renters qualify?
Own and live in the home as your primary residence.
Do I need approval before I buy?
Yes. Apply before you buy or install anything; purchases made first don’t qualify.
Is it still available?
Yes. It was open when we last checked, on October 27, 2026.
Plain words
Words used on this page
- AMI
- Area median income: the middle household income where you live, set each year by HUD.
References
Sources
This page is built from these official pages, run by the program itself.
When one of these pages changes, we re-check this page against it.
Nearby