Santa Cruz Owner-Occupied Rehabilitation Program

City of Santa Cruz Community Development (CDBG)

Available Home Repair

About This Program

Provides deferred, zero-interest loans to low-income homeowners in Santa Cruz city limits for major home repairs and code compliance. Loan is due upon sale, transfer, or refinance of the property.

Zero-interest deferred loan, repaid when home is sold or title transfers

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

Key Details

  • Zero-interest deferred loan up to $50,000
  • Income at or below 80% Area Median Income
  • Must be owner-occupied within Santa Cruz city limits
  • Covers major repairs and code violations
  • Loan due upon sale or title 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).
  • 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: Applications accepted year-round

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Need a Contractor for This Grant?

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

Get matched with a pro, free Browse Santa Cruz, CA contractors

Find More Programs in Santa Cruz, CA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs