San José CalHome Owner-Occupied Rehabilitation Loan

City of San José Housing Department / CA HCD CalHome Program

Available Home Repair

About This Program

San José CalHome Owner-Occupied Rehabilitation Loan is available to homeowners in San Jose, CA.

San José's CalHome program provides state-funded deferred loans for health, safety, and code-compliance repairs to owner-occupied 1-4 unit properties. The loan is due in full after 30 years or upon sale, transfer of title, or non-owner occupancy. Applicants must have owned and occupied the property for at least one year. Funded by the California Department of Housing and Community Development.

Estimate based on typical rehabilitation scope for code and safety repairs

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

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

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

Key Details

  • 30-year deferred loan, no monthly payments
  • Income limit: 80% Area Median Income
  • Must own and occupy property at least 1 year prior
  • Eligible for 1-4 unit owner-occupied properties
  • Contact San José Housing Dept to confirm current funding

How to Apply

Get free help applying Visit Official Program Page Track this program

408-535-3860

A grant-savvy contractor in San Jose, 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 Jose 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: First come, first served, periodic state allocation

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 San José CalHome Owner-Occupied Rehabilitation Loan provide in San Jose, CA?

Up to $100,000 (30-year deferred loan).

Who qualifies for San José CalHome Owner-Occupied Rehabilitation Loan in San Jose?

San José CalHome Owner-Occupied Rehabilitation Loan is open to homeowners in San Jose, CA. It prioritizes low-income households.

How do I apply for San José CalHome Owner-Occupied Rehabilitation Loan in San Jose, CA?

Apply directly with City of San José Housing Department / CA HCD CalHome Program using the official program link on this page or call 408-535-3860. 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 San Jose, CA contractors

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