How to apply for Housing Rehabilitation Loan Program (City of Riverside) in California

Who it's for

The City of Riverside lends homeowners up to $60,000 to repair their homes. The loans are interest-free, and no payments are due for 30 years. The loan is repaid when the home is sold, refinanced with cash out, no longer lived in by the owner, or when the borrower dies. Repairs can include health and safety problems, accessibility (ADA) changes, lead paint or termite repairs, code violations and some general improvements. You must live in the City of Riverside, have owned and lived in the home for at least a year, and have household income below 80% of the county median ($68,900 for one person in the 2025 table). To get on the waitlist, call the Housing & Human Services Department at 951-826-2279.

What you'll need

• Proof that you own the home and have lived in it for at least a year
• Proof of household income for everyone in the home
• Government-issued photo ID

Where to apply

What to say when you call

"Hello, I'm calling to ask about Housing Rehabilitation Loan Program (City of Riverside). 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 that you own the home and have lived in it for at least a year, proof of household income for everyone in the home, government-issued photo ID — 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 deferred loan; due when the home is sold, refinanced with cash out, no longer owner-occupied, or on the borrower's death