CalHFA Property Improvement Loan Program

California Housing Finance Agency

Available Home Repair

About This Program

Low-interest home improvement loans from CalHFA for energy efficiency, accessibility upgrades, or major repairs. Available through participating lenders with flexible credit requirements and competitive rates.

Low-interest loan; terms vary by lender and borrower qualifications

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

Key Details

  • Low-interest loans up to $50,000
  • Flexible credit requirements
  • Income at or below 120% AMI
  • Available through participating lenders
  • Covers repairs, solar, accessibility upgrades

How to Apply

Get free help applying Visit Official Program Page Track this program

(877) 922-5432

A grant-savvy contractor in Santa Maria, 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 Maria 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: Available 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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