San José CalHome Owner-Occupied Rehabilitation Loan
City of San José Housing Department / CA HCD CalHome Program
About This Program
The Grant Map catalogs San José CalHome Owner-Occupied Rehabilitation Loan in its San Jose, CA research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
San José's CalHome program provides state-funded deferred loans for health, safety, and code-compliance repairs to owner-occupied 1-4 unit properties. The loan is due in full after 30 years or upon sale, transfer of title, or non-owner occupancy. Applicants must have owned and occupied the property for at least one year. Funded by the California Department of Housing and Community Development.
Estimate based on typical rehabilitation scope for code and safety repairs
The cited program-specific URL responded on 2026-07-21; confirm current terms.
Record set last reviewed 2026-04-03. How we verify our data.
Other published resources for San Jose, CA, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- City of San José Home Repair Program Up to $75,000 (0% deferred loan, 20-year term)
- Rebuilding Together SV, Critical Repair Program No-cost repairs (amount varies by project need)
- Rebuilding Together SV, Safe at Home Program No-cost minor repairs (varies by project)
- Habitat for Humanity EBSV, Home Preservation Program Repair grants (limited, health-and-safety only) or 0% 20-year forgivable loans
Key Details
- 30-year deferred loan, no monthly payments
- Income limit: 80% Area Median Income
- Must own and occupy property at least 1 year prior
- Eligible for 1-4 unit owner-occupied properties
- Contact San José Housing Dept to confirm current funding
How to Apply
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in San Jose.
Get matched with a contractorOur record classifies the structure as a forgivable loan. Confirm repayment, forgiveness, residency, and any lien terms with the administrator.
Each administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
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).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: First come, first served, periodic state allocation
Questions about this program?
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Frequently asked questions
What amount is listed for San José CalHome Owner-Occupied Rehabilitation Loan in San Jose, CA?
The Grant Map record states: Up to $100,000 (30-year deferred loan). Confirm the current amount and eligible costs with the administrator.
What audience tags are recorded for San José CalHome Owner-Occupied Rehabilitation Loan in San Jose?
The directory record carries audience tags for homeowners. It also carries a low-income tag. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for San José CalHome Owner-Occupied Rehabilitation Loan in San Jose, CA?
Confirm the application route directly with City of San José Housing Department / CA HCD CalHome Program; use the cited source on this page as a starting point or call 408-535-3860. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in San Jose, CA
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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