Modesto Deferred Rehabilitation Loan Program

City of Modesto Community & Economic Development

Available Home Repair

About This Program

Provides deferred loans to low- and moderate-income Modesto homeowners for substantial rehabilitation and major systems replacement. Loan carries 0% interest, no monthly payment, and is forgiven after 15 years of owner-occupancy.

0% deferred loan, forgiven after 15 years of continued owner-occupancy

Key Details

  • Deferred loan up to $45,000 for major repairs
  • 0% interest, no monthly payments
  • Income at or below 120% AMI required
  • Forgiven after 15 years of owner-occupancy
  • Covers comprehensive rehabilitation needs

How to Apply

Deadline: Rolling applications

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