Merced County HOME Rehabilitation Program

Merced County (HUD HOME funds)

Available Home Repair

About This Program

Merced County HOME Rehabilitation Program is available to homeowners in Merced, CA.

HOME Investment Partnerships Program providing deferred loans for substantial rehabilitation of owner-occupied homes in Merced County. Addresses code violations, health and safety issues, and major systems replacement.

Deferred loan forgiven after affordability period if owner remains in residence

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

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

This is a national program. In Merced, CA, you can stack it with local programs like these:

Key Details

  • Deferred loan up to $35,000 for major repairs
  • For low-income owner-occupied households
  • Addresses code violations and health/safety issues
  • Loan forgiven after affordability period (5-15 years)
  • Available in unincorporated Merced County

How to Apply

Get free help applying Visit Official Program Page Track this program

(209) 385-7654

A grant-savvy contractor in Merced, 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 Merced 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 reviewed on a rolling basis

Questions about this program?

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

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Frequently asked questions

How much can Merced County HOME Rehabilitation Program provide in Merced, CA?

Up to $35,000 deferred loan.

Who qualifies for Merced County HOME Rehabilitation Program in Merced?

Merced County HOME Rehabilitation Program is open to homeowners in Merced, CA. It prioritizes low-income households.

How do I apply for Merced County HOME Rehabilitation Program in Merced, CA?

Apply directly with Merced County (HUD HOME funds) using the official program link on this page or call (209) 385-7654. 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 Merced, CA contractors

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