San Diego County HOME Program

San Diego County Housing & Community Development Services

Available Home Repair

About This Program

San Diego County HOME Program is available to homeowners in El Cajon, CA.

Federally-funded HOME program providing rehabilitation assistance to low-income homeowners in unincorporated San Diego County and participating cities including El Cajon. Loan is forgiven after 15 years of continued owner-occupancy and compliance.

Forgivable loan covering approved rehabilitation costs, forgiven over 15 years

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

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

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

Key Details

  • Up to $75,000 forgivable loan
  • Income at or below 80% AMI required
  • Forgiven after 15 years of owner-occupancy
  • Covers major repairs and rehabilitation
  • Available to El Cajon homeowners

How to Apply

Get free help applying Visit Official Program Page Track this program

(619) 578-7400

A grant-savvy contractor in El Cajon, 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 El Cajon 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).
  • 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

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 San Diego County HOME Program provide in El Cajon, CA?

Up to $75,000 forgivable loan.

Who qualifies for San Diego County HOME Program in El Cajon?

San Diego County HOME Program is open to homeowners in El Cajon, CA. It prioritizes low-income households.

How do I apply for San Diego County HOME Program in El Cajon, CA?

Apply directly with San Diego County Housing & Community Development Services using the official program link on this page or call (619) 578-7400. 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 El Cajon, CA contractors

Find More Programs in El Cajon, CA

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

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