Monterey County HOME Investment Partnership

Monterey County Housing & Community Development

Available Home Repair

About This Program

Monterey County HOME Investment Partnership is available to homeowners in Monterey, CA.

Federally-funded HOME program providing deferred, zero-interest loans for major home repairs to low-income homeowners in unincorporated Monterey County. Loan is forgiven after homeowner remains in residence for 15 years.

Deferred loan with zero interest, forgiven after 15 years of continued occupancy

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

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

Key Details

  • Zero-interest deferred loan up to $35,000
  • For low-income homeowners in unincorporated areas
  • Loan forgiven after 15 years of occupancy
  • Covers major health and safety repairs
  • No monthly payments required

How to Apply

Get free help applying Visit Official Program Page Track this program

(831) 755-5025

A grant-savvy contractor in Monterey, 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 Monterey 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 year-round, subject to fund availability

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 Monterey County HOME Investment Partnership provide in Monterey, CA?

Deferred loan up to $35,000.

Who qualifies for Monterey County HOME Investment Partnership in Monterey?

Monterey County HOME Investment Partnership is open to homeowners in Monterey, CA. It prioritizes low-income households.

How do I apply for Monterey County HOME Investment Partnership in Monterey, CA?

Apply directly with Monterey County Housing & Community Development using the official program link on this page or call (831) 755-5025. 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 Monterey, CA contractors

Find More Programs in Monterey, CA

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

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