Habitat for Humanity Greater Sacramento, Home Repair Program

Habitat for Humanity of Greater Sacramento (nonprofit)

Available Home Repair

About This Program

Habitat for Humanity Greater Sacramento, Home Repair Program is available to homeowners in Sacramento, CA.

Habitat for Humanity Greater Sacramento offers a Deferred Payment Home Repair Loan Program providing loans up to $100,000 at 0% interest, deferred for 20-30 years, to address health, accessibility, and safety concerns. Homeowners must contribute 20% of repair costs and partner with Habitat through sweat equity volunteer hours. Veterans and elderly residents are prioritized. Serves Sacramento and Yolo Counties.

Deferred 0% loan, repayment deferred 20-30 years; 20% homeowner cost contribution required

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

Data last verified 2026-04-03. How we verify our data.

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

Key Details

  • Deferred payment 0% interest loan up to $100,000, no monthly payments during deferral period
  • Homeowners must contribute 20% of total repair cost
  • Sweat equity volunteer hours with Habitat are required
  • Veterans and elderly homeowners are prioritized for assistance
  • Covers Sacramento and Yolo Counties; income limits apply (approx. 30-80% AMI)

How to Apply

Get free help applying Visit Official Program Page Track this program

916-440-1215

A grant-savvy contractor in Sacramento, 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 Sacramento early keeps your application moving.

Get matched with a contractor

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).
  • Proof of military service (DD-214) and, for disability-based grants, your VA disability rating letter.
  • 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: Application periods vary, sign up for notification at habitatgreatersac.org

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 Habitat for Humanity Greater Sacramento, Home Repair Program provide in Sacramento, CA?

Up to $100,000 (deferred 0% loan).

Who qualifies for Habitat for Humanity Greater Sacramento, Home Repair Program in Sacramento?

Habitat for Humanity Greater Sacramento, Home Repair Program is open to homeowners in Sacramento, CA. It prioritizes low-income households. It serves seniors. It serves veterans and military families.

How do I apply for Habitat for Humanity Greater Sacramento, Home Repair Program in Sacramento, CA?

Apply directly with Habitat for Humanity of Greater Sacramento (nonprofit) using the official program link on this page or call 916-440-1215. There is no middleman and no fee.

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