CalHFA Dream Maker Home Improvement Loan

California Housing Finance Authority

Available Home Repair

About This Program

Low-interest home improvement loan for California homeowners to make repairs, accessibility modifications, or energy-efficient upgrades. Available through participating lenders with flexible credit requirements.

Low-interest loan with flexible terms; typical interest rate around 6-7%

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

Key Details

  • Low-interest loan up to $15,000
  • For home repairs and improvements
  • Flexible credit requirements
  • Available through participating lenders
  • Income at or below 120% AMI

How to Apply

Get free help applying Visit Official Program Page Track this program

(877) 922-5432

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

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).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • 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: Ongoing program through participating lenders

Questions about this program?

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Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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