Homeowner Repair Assistance Program
Background
The Homeowner Repair Assistance Program provides financial and technical assistance to low-and-moderate income households to repair or eliminate critical health and safety hazard conditions in homes, and assists persons in making their homes more accessible.
New Expanded Program (Above Moderate Income)
The Homeowner Repair Expansion American Rescue Plan Act (ARPA) Financial Assistance Program for the above moderate income households program provides assistance for external health and safety repairs.
Financial Assistance
Low-Moderate Income Financial Assistance
The Low-Moderate income financial assistance program offers:
- Mobile Homeowners are eligible for up to $20,000 forgivable grant after 5 years
- Single Family Homeowners are eligible for a 20-year deferred or amortized loan with 20% of total project costs being a forgivable grant after 10 years
- Homeowners have the ability to select a 3% deferred loan or 0% amortized loan with consistent monthly payments
Above Moderate Income Financial Assistance
Single Family Homeowners are eligible for a 10-year amortized loan with 3% interest and 10% of total project costs being a forgivable grant after 5 years for a total project cost not to exceed $25,000.
Qualifications
Carefully review the qualifications listed below prior to applying for assistance.
Your Home Requirements
- Home must be within the Modesto City limits. To verify, search for your address using the City's GIS Mapping system.
- Home must be owner occupied
- Home value must be greater than mortgage balance
Applicant Credit Criteria
Applicant must meet the following credit criteria:
- No items in collections
- No bankruptcy's in the last 3 years
- Total household annual income must be meet the Qualifying Income Levels outlined below.
Qualifying Income Levels
| Persons in Family | Low-Moderate Annual Incomes | Above Moderate Annual Income |
|---|---|---|
| 1 | at or below $44, 650 | at or below $80,340 |
| 2 | at or below $51, 000 | at or below $91,800 |
| 3 | at or below $57, 400 | at or below $103,320 |
| 4 | at or below $63, 750 | at or below $114,780 |
| 5 | at or below $68, 850 | at or below $123,960 |
| 6 | at or below $73, 950 | at or below $133,140 |
| 7 | at or below $79, 050 | at or below $142,320 |
| 8 | at or below $84, 150 | at or below $151,500 |
Health and Safety Repairs
This program is dedicated to providing health and safety repairs to homeowners.
Low-Moderate Program Repairs
Some of the repairs available for the Low-Moderate program include but are not limited to the following:
- Roof repairs/replacement
- Window repair/replacement
- HVAC replacement
- Electrical/plumbing repairs
- Accessibility/ADA compliance such as wheelchair lift, grab bars, shower accessibility
Above Moderate Program Repairs
The Above Moderate program includes exterior repairs only.
Applying for Assistance
Please use our online portal to submit an online application for the Homeowner Repair Program. In order to use the online application, you will need to create a User profile. Once you are ready to apply, you will need to fill out the application completely and upload the required documentation.
Please allow up to thirty (30) days from the date of application submittal, for eligibility determination. The City will notify you in writing of your eligibility determination.
Required Documentation
Incomplete applications will not be accepted. Providing a Completed Application Packet with all the requested copies of financial information will facilitate and speed up the application review process. The City may request additional documentation of your income after reviewing your application.
A completed application packet consists of:
- Completed Homeowner Repair Program Application (online or printed)
- The following financial information for each household member who is over the age of 18:
- Tax Returns (last three years)
- W-2s (last three years)
- Checking account statement(s), most recent last three months (no printouts)
- Savings account statement(s), most recent last three months (no printouts)
- Divorce documents, showing child support and alimony
- Recent Mortgage statement
- Copy of Deed of Trust
- Copy of Home insurance
- Three months recent pay stubs and / or most recent Social Security award
- Benefits statements (for example: pension, Social Security, IRA’s, Certificate of Deposits Retirement Account, Money Market Accounts.)