Click here to go to a list of all Online Services and Forms


Commissions Green Fresno Pay Utility Bill Fresno Municipal Code
more
Home Improvement Program

The City's Home Improvement Program provides a zero-percent interest deferred payment loan to low-income families that own and live in their home to make needed repairs and improvements to their homes.  Funds for the grant program are made available through the U.S. Department of Housing and Urban Development (HUD) and the State of California CalHome Program. 

The maximum limit for a rehabilitation loan is $30,000; the minimum loan is $1,000.
If the owner continues to reside in the home at the end of five years, the City may forgive a portion of the loan. Payment on the non-forgivable portion of the loan will be deferred for thirty (30) years. A loan may be repaid in part or in full before the thirtieth year at any time without penalty.

Below, please find: Eligibility Requirements, Eligible Improvement Items, and How to Apply or click on this brochure link to download a printable program guide.

ELIGIBILITY REQUIREMENTS

  • APPLICANTS
 Provide proof of owner-occupancy in the home to be rehabilitated.

Provide information indicating the ability to repay all existing debt, showing applicant's creditworthiness.
  • INCOME
 Qualify as a low-income family, based on gross household income and family size.  See chart below.


2008 HUD INCOME LIMITS
1 PERSON - $2,512
2 PEOPLE - $2,870
3 PEOPLE - $3,229
4 PEOPLE - $3,587
5 PEOPLE - $3,875
6 PEOPLE - $4,162
7 PEOPLE - $4,450
8 PEOPLE - $4,737

  • PROPERTY
Property to be rehabilitated must be a single family home or condominium located within the Fresno city limits (outside of County islands) and zoned residential.

Property to be rehabilitated cannot have an after-rehabilitation value that exceeds established program limits.

ELIGIBLE IMPROVEMENT ITEMS

  • MANDATORY IMPROVEMENTS
 Health and safety improvements and correction of substandard conditions.
  • OTHER ELIGIBLE IMPROVEMENTS

Optional repairs may include renovations and alterations that address livability, deferred maintenance, energy efficiency, security, disabled accessibility, and general property improvements.
  • INELIGIBLE REPAIRS

Ineligible work includes luxury items, furniture, and most appliances.

HOW TO APPLY

Contact the Housing and Community Development Division staff at (559) 621-8300 and request that your name be placed on the waiting list.  Upon being selected, you will be invited to submit an application and supporting documentation.  Once your application information is determined to meet eligibility criteria, you will be contacted with further instructions on how to proceed.

 

Housing and Community Development Division
Fresno City Hall
2600 Fresno St., Room 3076
Fresno, CA  93721
Phone: (559) 621-8300