Modesto Owner-Occupied Rehabilitation Program

City of Modesto Community & Economic Development

Available Home Repair

About This Program

Provides deferred loans to low- and moderate-income homeowners in Modesto for major home repairs and rehabilitation. Loan is deferred with no monthly payments and forgiven after 15 years of continued owner-occupancy.

Deferred loan amount based on scope of necessary repairs, no repayment if you remain in home 15 years

Key Details

  • Deferred loan up to $35,000 for major repairs
  • Income at or below 80% AMI required
  • Must be owner-occupied in Modesto city limits
  • Forgiven after 15 years of compliance
  • Covers structural, systems, and safety upgrades

How to Apply

Deadline: Rolling applications, subject to fund availability

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