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Agency commissions are generally at your charge.

If you have appeal to a credit for the purchase of your house, know that as a rule the refunds spread out between 15 and 30 years. Your deposit will be approximately 20 % of the cost price and the land taxes are about 1.3 % of the cost price of the property a year.

As the complexity of the law, even for Americans, it is recommended that you consult a lawyer before paying a deposit. Check that you are life insured if you have asked for a credit for your house (it is not automatic in USA). It is also safer to subscribe to an insurance for civil responsibility, because the real risks of pursuits, and also to complementary policies (umbrella policy).

There are many real estate companies in San Francisco that will walk you through the process of buying an apartment. Once you have decided on the area you would like to live in, contact the agents that specialise in housing in that neighborhood.