CalOSBA / IBank Infrastructure & Housing, San Diego, CA

Q: How do I apply for CalOSBA / IBank Infrastructure & Housing Finance (Small Business/Homeowner Programs) in San Diego, CA?

Apply directly with California Infrastructure and Economic Development Bank (IBank) using the official program link on this page or call 1-916-341-6600. There is no middleman and no fee.

About This Program

CalOSBA / IBank Infrastructure & Housing Finance (Small Business/Homeowner Programs) is available to homeowners in San Diego, CA.

California's IBank Jump Start Loan Program and related programs partner with nonprofits and community lenders to provide low-interest loans and loan guarantees for home improvement to moderate-income borrowers who may not qualify for conventional financing. Contact California IBank or local CDFI lenders in San Diego for current home improvement loan products backed by state programs.

Income and credit requirements vary by specific program and participating lender; contact IBank or local CDFIs for current San Diego offerings

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

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

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

SDHC Housing Rehabilitation Program, Home Repair Grant Up to $15,000 grant for emergency/accessibility repairs
SDHC ADU Finance Program Up to $250,000 construction-to-permanent loan at 1%-4% fixed
SDHC First-Time Homebuyer Program, Low Income Up to 19% of purchase price (max ~$125,000 loan) + $10,000 closing cost grant
SDHC First-Time Homebuyer Program, Middle Income $40,000 deferred loan + $10,000 closing cost grant

Key Details

State-backed loan guarantees for homeowners who need financing assistance
Partners with local CDFIs and nonprofit lenders in San Diego
Covers structural repairs, remodels, accessibility, energy improvements
Income requirements set by participating lender
Call IBank at 1-916-341-6600 or ask local CDFI lenders in San Diego

How to Apply

Get free help applying Visit Official Program Page Track this program

1-916-341-6600

A grant-savvy contractor in San Diego, 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 San Diego 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).
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: Rolling, through participating lenders

Questions about this program?

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

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CalOSBA / IBank Infrastructure & Housing Finance (Small Business/Homeowner Programs)

About This Program

Key Details

How to Apply

Your application paperwork

Questions about this program?

Frequently asked questions

Need a Contractor for This Grant?

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