Concord

Emergency Repair and Accessibility Grants

A limited number of repair grants are available, which cost the homeowner nothing. Grants may be approved for health and safety problems only. Common uses for the grant program are replacing water heaters, and minor plumbing or electrical repairs.

Home Rehabilitation Loans

For major repairs, loans up to $75,000 are available. These affordable loans have 1% simple interest with a 15-year term. Seniors (62+) and disabled homeowners may opt not to make monthly payments, called a "deferred" loan. Common uses for the loan program include: reroofing, sewer line replacement, termite and dry rot damage repair, furnace installation, and foundation repair. Mobile homes are not eligible for loans.

Download a Request for Service form in English – Español – Tagalog – 繁體中文 - 简体中文 – Tiếng Việt - Hindi.

Required Documentation

Photo IDs and Proof of Legal Residency for all Applicants
Copy of Certificate of Title
Proof of occupancy (including space lease agreement if in a mobile home)
Copy of Homeowner’s Insurance Policy
Income documentation for all household members 18 years of age and older

Requirements

To qualify for the program you must:

Own your home. Single-family or condominiums eligible.
Live in your home. For loans, you must live in your home throughout the duration of the loan.
The funding must not result in total loan debt to home value ratio of more than 85% after the work is completed.
Have no more than $75,000 in assets if a senior (62+) or disabled head of household, or $50,000 for other households. The home proposed for rehabilitation itself is not considered an asset.
Earn no more than the maximum income for your household size, per chart below. Maximum Income depends on the number of people in your household not including full-time caregivers.

County	1 person	2 People	3 People	4 People	5 People	6 people	7 People	8 People
Alameda	$74,200	$84,800	$95,400	$106,000	$114,500	$123,000	$131,450	$139,950
Contra Costa	$74,200	$84,800	$95,400	$106,000	$114,500	$123,000	$131,450	$139,950
Santa Clara	$92,250	$105,400	$118,600	$131,750	$142,300	$152,850	$163,400	$173,950