Berkeley Owner-Occupied Rehabilitation Loan

City of Berkeley Housing & Community Services (CDBG)

Available Home Repair

About This Program

Berkeley Owner-Occupied Rehabilitation Loan is available to homeowners in Berkeley, CA.

Provides forgivable loans for major home repairs to low-income Berkeley homeowners. Loan is forgiven after 15 years of continued owner-occupancy. Covers health, safety, and code compliance repairs.

Forgivable loan, no repayment if you remain in home 15 years

Official source site checked live on 2026-06-22.

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

In Berkeley, CA, you can combine this program with other local help to cut your cost:

Key Details

  • Forgivable loan up to $50,000
  • Must be owner-occupied in Berkeley
  • Income at or below 80% AMI
  • Covers major health and safety repairs
  • Forgiven after 15 years of occupancy

How to Apply

Get free help applying Visit Official Program Page Track this program

(510) 981-5400

A grant-savvy contractor in Berkeley, 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 Berkeley 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: Rolling applications, funding permitting

Questions about this program?

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

Email us about this program

Frequently asked questions

How much can Berkeley Owner-Occupied Rehabilitation Loan provide in Berkeley, CA?

Up to $50,000 forgivable loan.

Who qualifies for Berkeley Owner-Occupied Rehabilitation Loan in Berkeley?

Berkeley Owner-Occupied Rehabilitation Loan is open to homeowners in Berkeley, CA. It prioritizes low-income households.

How do I apply for Berkeley Owner-Occupied Rehabilitation Loan in Berkeley, CA?

Apply directly with City of Berkeley Housing & Community Services (CDBG) using the official program link on this page or call (510) 981-5400. There is no middleman and no fee.

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 Berkeley, CA contractors

Find More Programs in Berkeley, CA

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

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