Capitola Owner-Occupied Rehabilitation Program

City of Capitola (Santa Cruz County CDBG)

Available Home Repair

About This Program

CDBG-funded home rehabilitation loans for low-income owner-occupants in Capitola. Covers major repairs including roofing, foundation, electrical, plumbing, and HVAC. Loan is forgiven after 10 years of continued occupancy.

Forgivable loan for major home repairs, no repayment if you remain in home 10 years

Official source site checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Forgivable loan up to $35,000 for major repairs
  • Income at or below 80% Area Median Income
  • Must be owner-occupied in Capitola city limits
  • Forgiven after 10 years of continued residency
  • Covers roofing, foundation, electrical, plumbing, HVAC

How to Apply

Get free help applying Visit Official Program Page Track this program

(831) 475-7300

A grant-savvy contractor in Capitola, CA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Capitola early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Applications accepted year-round subject to funding

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