CalHome Owner-Occupied Rehabilitation

California Department of Housing & Community Development

Available Home Repair

About This Program

CalHome Owner-Occupied Rehabilitation is available to homeowners in Costa Mesa, CA.

State-funded home rehabilitation program for low-income owner-occupants. Deferred loan with 0% interest, due upon sale or transfer of property. Administered through local agencies in Orange County.

Deferred loan, no monthly payment, due on sale or transfer

Official program page checked live on 2026-06-22.

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

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

Key Details

  • Up to $50,000 deferred loan for major repairs
  • 0% interest, no monthly payments
  • Due when home is sold or transferred
  • Income at or below 80% AMI required
  • Administered through Orange County agencies

How to Apply

Get free help applying Visit Official Program Page Track this program

(916) 263-2771

A grant-savvy contractor in Costa Mesa, 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 Costa Mesa 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: Administered locally, check with Orange County

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 CalHome Owner-Occupied Rehabilitation provide in Costa Mesa, CA?

Up to $50,000 deferred loan.

Who qualifies for CalHome Owner-Occupied Rehabilitation in Costa Mesa?

CalHome Owner-Occupied Rehabilitation is open to homeowners in Costa Mesa, CA. It prioritizes low-income households.

How do I apply for CalHome Owner-Occupied Rehabilitation in Costa Mesa, CA?

Apply directly with California Department of Housing & Community Development using the official program link on this page or call (916) 263-2771. 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 Costa Mesa, CA contractors

Find More Programs in Costa Mesa, CA

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

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