San José CalHome Owner-Occupied Rehabilitation Loan

About This Program

San José's CalHome program provides state-funded deferred loans for health, safety, and code-compliance repairs to owner-occupied 1–4 unit properties. The loan is due in full after 30 years or upon sale, transfer of title, or non-owner occupancy. Applicants must have owned and occupied the property for at least one year. Funded by the California Department of Housing and Community Development.

Estimate based on typical rehabilitation scope for code and safety repairs

Key Details

• 30-year deferred loan — no monthly payments
• Income limit: 80% Area Median Income
• Must own and occupy property at least 1 year prior
• Eligible for 1–4 unit owner-occupied properties
• Contact San José Housing Dept to confirm current funding

How to Apply

Deadline: First come, first served — periodic state allocation