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Eligibility:
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Priority is given to low-income families, veterans, and elderly residents.
Applicants must meet the following requirements:
1. Must own and occupy the home as a primary residence.
2. Must be willing to partner with Habitat for Humanity (this includes contributing sweat equity hours towards the repair project).
3. Must have the ability to pay a portion (20%) of the total repair cost.
4. Must have an acceptable credit history.
5. Gross annual income must fall below the maximum income guidelines listed below.
2025 Income-Based Eligibility Guidelines:
Household size of 2: minimum income of $30,900; maximum income of $82,350
Household size of 3: minimum income of $34,750; maximum income of $92,650
Household size of 4: minimum income of $38,600; maximum income of $102,900
Household size of 5: minimum income of $41,700; maximum income of $111,150
Household size of 6: minimum income of $44,800; maximum income of $119,400
Household size of 7: minimum income of $48,650; maximum income of $127,600
Household size of 8: minimum income of $54,150; maximum income of $135,850
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Languages:
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Interpreter service available. ASL Interpreter available on request, Farsi, Hmong, Spanish, English
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Application Process:
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Download the application from the website. Submit the completed application via email or mail. Call or email for more information.
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Payment methods:
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Program Fees:
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20% of the total repair cost.
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Documents Required:
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Documents needed include:
- Home Repair Loan Program Application Packet filled out and signed
- Disclosure and Authorization for Consumer Reports for anyone over 18 in the household
- CA Driver’s License or other Identification for anyone over 18 in the household
- Social Security Cards for Applicant & Co-Applicant
- Legal U.S. Resident Status for Applicant & Co-Applicant (birth certificate, passport, or legal resident card)
- DD 214 Form (if applicable) for any veteran household members
- Proof of Homeownership (most recent mortgage statement)
- Proof of current Homeowners Insurance
- Federal Income Tax Returns with W-2 and/or 1099 Forms for the previous two years.
- Employment Income Verification
- An award letter or other verification for all other income sources, including any of the following: Social Security, VA Benefits, TANF/CalWORKS, Unemployment, and Disability
- Account Statements for any accounts of household members 18 or over
- Current Credit Report for Applicant and Co-Applicant;
- Utility Bills
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