City of San José Home Repair Program

City of San José Housing Department

Available Home Repair

About This Program

City of San José Home Repair Program is available to homeowners in San Jose, CA.

The City of San José Housing Department provides 0% interest deferred loans to income-qualified homeowners to repair health and safety issues, including roofing, plumbing, heating, electrical, and accessibility upgrades. Loans are administered through Rebuilding Together Silicon Valley and Habitat for Humanity East Bay/Silicon Valley. After year 10, 10% of the loan is forgiven annually until fully forgiven at year 20.

Estimate based on midpoint of typical loan range for moderate health-and-safety repairs

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

  • 0% interest, 20-year forgivable deferred loan
  • Income limit: 80% of Area Median Income
  • Covers single-family homes and mobile homes
  • Administered by Rebuilding Together SV and Habitat EBSV
  • Apply through the Housing Dept: housinggrants@sanjoseca.gov

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).
  • Proof of age (driver's license or birth certificate) if the program is age-based.
  • Documentation of disability (award letter or a physician's statement) if the program is disability-based.
  • 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, funds available until exhausted

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 City of San José Home Repair Program provide in San Jose, CA?

Up to $75,000 (0% deferred loan, 20-year term).

Who qualifies for City of San José Home Repair Program in San Jose?

City of San José Home Repair Program is open to homeowners in San Jose, CA. It prioritizes low-income households. It serves seniors.

How do I apply for City of San José Home Repair Program in San Jose, CA?

Apply directly with City of San José Housing Department 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.

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Find More Programs in San Jose, CA

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

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