Single Family Rehabilitation

The Single-Family Rehabilitation Programs provide assistance to homeowners with major repairs, through rehabilitation. The programs are intended to assist low and moderate-income homeowners who cannot afford to complete the repairs themselves. Funds are provided by the City's Community Development Block Grant (CDBG) and Home programs. These programs are funded by the U.S. Department of Housing and Urban Development (HUD). Access the application package (PDF).

Program Structure

The Rehabilitation Programs focus on the following priorities and provides funding up to $25,000:

  • The elimination of minimum housing code violations to provide for decent, safe, and sanitary housing. Basically, the objectives are to rehabilitate existing housing units by providing new, replaced, or repaired materials in the following areas of general construction:
    • Electrical systems
    • HVAC
    • Painting
    • Plumbing systems
    • Roofing
  • The replacement or repair of elements in the structure which could deteriorate because of age or condition in the near future (incipient violations).
  • Central air conditioner repairs, replacement, or installation of new central air conditioning unit when such costs combined with other repairs do not exceed the maximum limits for each program.

Single Family Loan Program

To cover the cost of repairs, the program is set up to provide a combination of a partial grant and partial repayment loan to eligible homeowners. There are several different levels of the program. The following provides a brief description:

  • Disabled Persons: Homeowners falling within this group will receive a deferred loan with no payments due for a term of 5 years as loan as the property remains their primary residence. A property lien will be placed against the property for a term of 5 years for the amount of the loan then released with no payments due. The maximum dollar amount for repairs under this category is $5,000. If repairs exceed the $5,000 threshold, this will change the terms of the loan and a partial repayment may be required and/or the term of the loan may be required.
  • Non-Senior Citizen or Disabled Person: Homeowners falling within this group are eligible to receive a loan amount up to $25,000 to address substantial repairs to their home. Loan repayment amounts will be in the form of a combination grant/repayment. Repayment amounts will be based on the household income and would be calculated upon application. The grant portion of the loan would be reduced at 1/7th per year for 7 years until the balance is paid in full (see table below). There will be a lien placed on the property for the duration of the loan. Clients will be required to live in the residence for the entire term or full repayment will be required.
  • Senior Citizens 62 or Over: Homeowners falling within this group will receive a deferred loan with no payments due for a term of 5 years as loan as the property remains their primary residence. A property lien will be placed against the property for a term of 5 years for the amount of the loan then released with no payments due. The maximum dollar amount for repairs under this category is $5,000. If repairs exceed the $5,000 threshold, this will change the terms of the loan and a partial repayment may be required and/or the term of the loan may be required.

Required Documentation

Household income is required to be at or below the Housing and Urban Development income guidelines in order to qualify. The home must be owned and occupied by the family at a minimum of 1 year prior to application. Clients must be creditworthy and have no bankruptcy filings or judgments for the previous 2 years from application. The following documentation is required at the submission of an application:

  • 2 Months of Bank Statements
  • 2 Years of Tax Returns with W-2 Forms
  • 3 Months of Paycheck Stubs
  • Copies of Drivers Licenses for all family members
  • Copies of Social Security Cards for all family members
  • Copy of Deed of Trust
  • Divorce Decree (if applicable)
  • Social Security Award Letter (if applicable)

Required Payment Percentage

Grants are based on household income levels and are reduced by 1/7th per year for seven years. The repayment portion of the loan can be amortized up to 10 years in order to keep monthly payment at a minimum. The following table shows the required repayment percentage based on the family income level.

Income PercentageRepayment Loan PercentageGrant Percentage
0% to 50%0%0%
51% to 80%50%50%