Santa Clara County Owner-Occupied Rehabilitation Program

Santa Clara County Housing Authority (HOME/CDBG)

Available Home Repair

About This Program

Santa Clara County Owner-Occupied Rehabilitation Program is available to homeowners in Los Gatos, CA.

Provides deferred, zero-interest loans to low-income homeowners in unincorporated Santa Clara County for major home repairs. Loan is forgiven after 15 years of continued owner-occupancy. Repairs must address health, safety, or code violations.

Deferred loan forgiven after 15 years of owner-occupancy

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

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

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

Key Details

  • Deferred loan up to $50,000 for major repairs
  • Income at or below 80% AMI
  • Zero interest, forgiven after 15 years
  • Unincorporated Santa Clara County
  • Addresses health, safety, code violations

How to Apply

Get free help applying Visit Official Program Page Track this program

(408) 275-8770

A grant-savvy contractor in Los Gatos, 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 Los Gatos 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: Applications accepted continuously

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 Santa Clara County Owner-Occupied Rehabilitation Program provide in Los Gatos, CA?

Deferred loan up to $50,000.

Who qualifies for Santa Clara County Owner-Occupied Rehabilitation Program in Los Gatos?

Santa Clara County Owner-Occupied Rehabilitation Program is open to homeowners in Los Gatos, CA. It prioritizes low-income households.

How do I apply for Santa Clara County Owner-Occupied Rehabilitation Program in Los Gatos, CA?

Apply directly with Santa Clara County Housing Authority (HOME/CDBG) using the official program link on this page or call (408) 275-8770. 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.

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Find More Programs in Los Gatos, CA

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