On BSD, the syntax for user maintenance is going to be slightly different than a System V box. Everything here boils down to the pw command.

Examples of user management:

Create a new user
# pw useradd -n chris -m
-n will specify the username and -m will setup the home directory 

Change a user's primary group
# pw usermod chris -g group1

Add user to secondary groups
# pw usermod chris -G group2,group3,...

Once a user has been setup, you can change the password for that user:
# passwd chris

And then you're set! On the rare occasion, it sometimes happens that the home directory is not created.