Habitat for Humanity Greater Sacramento — Home Repair Program

About This Program

Habitat for Humanity Greater Sacramento offers a Deferred Payment Home Repair Loan Program providing loans up to $100,000 at 0% interest, deferred for 20–30 years, to address health, accessibility, and safety concerns. Homeowners must contribute 20% of repair costs and partner with Habitat through sweat equity volunteer hours. Veterans and elderly residents are prioritized. Serves Sacramento and Yolo Counties.

Deferred 0% loan — repayment deferred 20–30 years; 20% homeowner cost contribution required

Key Details

• Deferred payment 0% interest loan up to $100,000 — no monthly payments during deferral period
• Homeowners must contribute 20% of total repair cost
• Sweat equity volunteer hours with Habitat are required
• Veterans and elderly homeowners are prioritized for assistance
• Covers Sacramento and Yolo Counties; income limits apply (approx. 30–80% AMI)

How to Apply

Deadline: Application periods vary — sign up for notification at habitatgreatersac.org