Santa Cruz ADA Home Modification Program

City of Santa Cruz Community Development

Available Senior & Disability

About This Program

Zero-interest deferred loan for accessibility modifications in Santa Cruz homes occupied by disabled or senior residents. Covers ramps, grab bars, widened doorways, accessible bathrooms, and other ADA improvements.

Zero-interest loan deferred until sale or title transfer

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

Key Details

  • Zero-interest deferred loan up to $25,000
  • For disabled or senior homeowners
  • Income at or below 120% Area Median Income
  • Covers ramps, grab bars, accessible bathrooms
  • Loan due upon sale or transfer

How to Apply

Get free help applying Visit Official Program Page Track this program

(831) 420-5140

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

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

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 age (driver's license or birth certificate) if the program is age-based.
  • Documentation of disability (award letter or a physician's statement) if the program is disability-based.
  • 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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