How to apply for Home Repair Loan/Grant Program (San Diego County)

Who it's for

The County of San Diego HCDS Home Repair Program provides low-interest loans up to $25,000 (3% simple interest, calculated annually) and non-repayable grants up to $20,000. The two parts have different eligibility: the Grant Program is for eligible mobile homeowners only, while the Loan Program covers single-family homes, condominiums, mobile homes in a condominium-style mobile home park, townhomes, manufactured homes, duplexes, and triplexes. The program serves homeowners in unincorporated San Diego County and in six participating cities: Coronado, Del Mar, Imperial Beach, Lemon Grove, Poway, and Solana Beach. Household income must be at or below 80% of San Diego County Area Median Income, and the homeowner must have lived in the home for at least 12 months prior to approval of the application. There is no age requirement. There is a waitlist — the county number adds your name to it.

What you'll need

• Proof of homeownership (deed or recent property tax bill)
• Proof that the home is in unincorporated San Diego County or in Coronado, Del Mar, Imperial Beach, Lemon Grove, Poway, or Solana Beach
• Proof of at least 12 months residency in the home prior to approval of the application
• Proof of household income at or below 80% of San Diego County AMI
• Government-issued photo ID

Where to apply

What to say when you call

"Hello, I'm calling to ask about Home Repair Loan/Grant Program (San Diego County). I'd like to know whether I may qualify, what documents I need, and whether I can apply online, by mail, by phone, or in person. I understand I may need proof of homeownership (deed or recent property tax bill), proof that the home is in unincorporated San Diego County or in Coronado, Del Mar, Imperial Beach, Lemon Grove, Poway, or Solana Beach, proof of at least 12 months residency in the home prior to approval of the application — is anything else required? What is the best next step?"

Tip: have a pen ready, ask for the person's name, and write down any case or reference number they give you.

Renewals

one-time per project; loan terms recorded against the property