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Housing Rehabilitation Loan

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Our Rehabilitation Loan program helps Home Owners and Investors preserve and upgrade their home(s) with a low interest loan. These funds are made possible through the Community Development Block Grant Funding program. The following information is a general over view of the program.

Funding Availability Status:

A waiting list is being accepted. We do not require a down payment to participate in the program.

How do I qualify for assistance?

Home Owners:

  • Live in a home located within the city limits of Turlock that needs repair.
  • Income at 80% or below the median for Stanislaus county.  Qualification depends on the number of people in the household and is subject to change.  See the following income table.
Income Table ( HUD CDBG Limits - Effective June 15, 2023 )
Number in Household 80% of the Median income for Stanislaus County
1 $47,250
2 $54,000
3 $60,750
4 $67,500
5 $72,900
6 $78,300
7 $83,700
8 $89,100

Investor Owned:
  • Tenants must live in a unit within the city limits of Turlock and have income at 80% or below the median for Stanislaus county.
  • Investor must demonstrate the ability to repay the loan while maintaining affordable rent.
  • Have good credit.

What work can be done with the loan money?

A home is an investment that brings joy to a family and must be protected from the weather and normal wear. A home will deteriorate quickly if not maintained.

The following are some of the areas that can be repaired with loan funds:

Broken Windows
Pest Control
Interior/ Exterior Paint
Floor Coverings
Bathroom & Kitchen Remodel

Some improvements that can not be done are:

Barbecue Pits
Swimming Pools
Free-Standing Kitchen Appliances
Sprinkler Systems

What are the loan interest rates?

Housing Rehabilitation loans are available at the following annual percentage rates for a term of up to 20 years.

Home Owner: 0% interest for fully amortized loans, 2% interest for deferred loans
Investor Owned: 3% interest

The loan amount is determined by the scope of the work to be performed.

A deferred payment plan is available for Home Owners with very low income.

How do I get started?

Call the Housing Program Services Division today at (209) 668-5610 or TDD 1 800 735-2929 for more information.

The Staff will:
  • Assist you with application forms.
  • Perform an on-site survey of your property; work with you to determine what repairs need to be addressed.
  • Obtain bids from qualified contractors.
  • Monitor the construction process.

Housing Rehabilitation Loan
Housing Rehabilitation Loan-Investor Brochure

For questions about our housing rehabilitation loan program, please contact:

Housing Program Services
156 S. Broadway, Ste. 140
Turlock, CA 95380-5454
(209) 668-5610
Monday - Friday, 8AM - 5PM

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