CalHFA Veteran Home Rehabilitation Loan

California Housing Finance Agency

Available Veteran Housing

About This Program

CalHFA provides low-interest home improvement loans to California veterans for major repairs, accessibility modifications, and energy upgrades. Available to veterans with honorable discharge who meet income limits.

Loan amount based on repair needs and borrower income

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

Key Details

  • Low-interest loans up to $75,000 for veterans
  • Must have honorable discharge status
  • Covers major repairs, accessibility, energy upgrades
  • Income limits apply (up to 120% AMI)
  • 30-year repayment term available

How to Apply

Get free help applying Visit Official Program Page Track this program

(877) 922-5432

A grant-savvy contractor in Ridgecrest, 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 Ridgecrest early keeps your application moving.

Get matched with a contractor

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).
  • Proof of military service (DD-214) and, for disability-based grants, your VA disability rating letter.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • 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

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