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Rental Rehab Loan Program

Published on: 12/8/2014 10:32 AM
The County is not accepting Rehabilitation Program Applications at this time.

The goal of the Health and Safety Home Repair Program, (the “Program”) is to maintain the existing supply of affordable housing and to provide financial assistance to homeowners who lack sufficient resources to make needed repairs to bring the property up to decent, safe, and sanitary, health, and safety code as defined in the Health and Safety Code Section 50096 and Section 50097.  The Program is not intended to remodel homes but to conserve and preserve the existing housing stock in the Urban County.

This program will be offered for a limited amount of time based on the availability of funds.  Funding is not guaranteed.  Applicants will be evaluated based on eligibility and need.
The Health and Safety Home Repair Grant Program offers  Conditional Grants.  Grant funds are forgiven 1/3 per year for three years as long as the home is maintiened as the owners primary residence and not sold within the first three years of signing a Grant Agreement with the County. After three years the Grant is forgiven.
The following Conditional Grant programs will fund one-time grants for low and very-low income homeowners whose homes are located in the Urban County Eligible Jurisdictions and consist of:

  • Campbell,
  • Los Altos,
  • Los Altos Hills,
  • Los Gatos,
  • Morgan Hill,
  • Monte Sereno,
  • Saratoga, and
  • Unincorporated Areas of the County of Santa Clara.
Owner-Occupied  (must live in home or in one half of duplex):
  • Single-family,
  • Duplex , or
  • Mobile Home
Low-income, Owner-occupants of a mobile home, single-family home, or duplex, whose gross annual income does not exceed 80% of the Santa Clara County Area Median Income (AMI), adjusted for household size.
Maximum Income Limits
Effective February 11, 2013
​3-persons ​4-persons ​5-persons ​6-persons ​7-persons
​$56,700 ​$64,800 ​$72,900 ​$81,000 ​$87,500 ​$94,000 ​$100,450
The conditional grant programs below will cover those homes which do not require major rehabilitation and whose repairs are not covered by other housing rehabilitation programs.
Certain improvements may be ineligible or beyond the scope of the County’s Health and Safety Home Repair Grant; a final determination will be given by theHousing Rehabilitation Specialist.
1.   The Emergency Home Repair Grant Program:
Offers grants to eligible low-income households with urgent repair needs with a maximum grant amount up to $15,000.  An emergency is defined as a sudden, generally unexpected negative occurrence or set of circumstances demanding immediate attention.
Repairs under The Emergency Home Repair Grant Program are provided as a direct service to the household.  The Office of Affordable Housing (OAH)  will arrange for a pre-­qualified contractor to make the necessary repairs once eligibility for the program is established. The final grant amount will be limited to the     lesser of the actual cost of the repairs or the maximum grant amounts shown above.
2.    The Accessibility Grant Program:
Offers technical and financial assistance to low income households with permanent disabilities and/or seniors to enhance mobility and access to the home.  The program will ensure that low-income seniors and specials needs clients receive funding to address needs such as ramps and grab bars with a maximum grant  amount up to $15,000.
3.   The Healthy Home Repair Grant Program:
Offers broader home repair assistance to low and very-low income households who do not have the financial resources to correct essential critical health and/orsafety repairs which have resulted in code   violations with a maximum grant amount up to $20,000.