Santa Rosa Owner-Occupied Housing Rehabilitation Program

City of Santa Rosa Housing & Community Services (CDBG)

Available Home Repair

About This Program

Provides forgivable loans for major home repairs and rehabilitation for low-income owner-occupied households in Santa Rosa. Loan is forgiven after 15 years of continued owner occupancy. Covers health, safety, and code violations.

Forgivable loan amount based on needed repairs, no repayment if 15-year occupancy requirement met

Official source site checked live on 2026-06-17.

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

Key Details

  • Forgivable loan up to $50,000 for major repairs
  • Income at or below 80% AMI required
  • Must be owner-occupied in Santa Rosa
  • Forgiven after 15 years of occupancy
  • Covers structural, systems, accessibility upgrades

How to Apply

Get free help applying Visit Official Program Page Track this program

(707) 543-3315

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

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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).
  • 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: Rolling applications, subject to funding availability

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