San Mateo County Owner-Occupied Rehabilitation Program

San Mateo County Department of Housing

Available Home Repair

About This Program

CDBG-funded rehabilitation loans for low-income homeowners in unincorporated San Mateo County and participating cities. Loans are forgiven after 15 years of continued owner-occupancy. Covers major systems, structural repairs, and health/safety hazards.

Forgivable loan up to $50,000, no repayment if you remain in home 15 years

Official program page checked live on 2026-06-17.

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

Key Details

  • Forgivable loan up to $50,000 for major repairs
  • Income at or below 80% AMI required
  • Must be owner-occupied in San Mateo County
  • Forgiven after 15 years of compliance
  • Covers structural, systems, health/safety hazards

How to Apply

Get free help applying Visit Official Program Page Track this program

(650) 802-3300

A grant-savvy contractor in Foster City, 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 Foster City 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: Rolling applications subject to fund availability

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