Modesto Deferred Rehabilitation Loan Program

City of Modesto Community & Economic Development

Available Home Repair

About This Program

Modesto Deferred Rehabilitation Loan Program is available to homeowners in Modesto, CA.

Provides deferred loans to low- and moderate-income Modesto homeowners for substantial rehabilitation and major systems replacement. Loan carries 0% interest, no monthly payment, and is forgiven after 15 years of owner-occupancy.

0% deferred loan, forgiven after 15 years of continued owner-occupancy

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

Data last verified 2026-05-25. How we verify our data.

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

Key Details

  • Deferred loan up to $45,000 for major repairs
  • 0% interest, no monthly payments
  • Income at or below 120% AMI required
  • Forgiven after 15 years of owner-occupancy
  • Covers comprehensive rehabilitation needs

How to Apply

Get free help applying Visit Official Program Page Track this program

(209) 577-5310

A grant-savvy contractor in Modesto, 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 Modesto 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 Modesto Deferred Rehabilitation Loan Program provide in Modesto, CA?

Up to $45,000 deferred loan.

Who qualifies for Modesto Deferred Rehabilitation Loan Program in Modesto?

Modesto Deferred Rehabilitation Loan Program is open to homeowners in Modesto, CA.

How do I apply for Modesto Deferred Rehabilitation Loan Program in Modesto, CA?

Apply directly with City of Modesto Community & Economic Development using the official program link on this page or call (209) 577-5310. 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 Modesto, CA contractors

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

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