Home Repair Loans & Grants

The city has home repair programs designed to assist homeowners with essential repairs. The home must be owner-occupied and the family must qualify as low-income. Please see the chart below to determine if your family qualifies as low-income. These loan and grant programs offer low- and no-interest financing with generous terms. All of the city's programs have no application fee and all costs may be financed. 

2017 Income Limits

Household Size     1         2      3      4      5     6       7
Maximum Annual Income  $41,550  $47,500  $53,450  $59,350  $64,100  $68,850  $73,600

Single Family Housing Repair Loan

Up to $60,000 loans for essential home repairs, including, not limited to roof repairs, plumbing, electrical, heating and much more.  For owner-occupied single family homes, condominiums, and half-plexes that are separate from adjoining structures.
  • 30-year deferred loan 0-3% interest
  • Principal and accrued interest will be deferred for 30-years
  • The loan becomes due upon the sale of the home or a title transfer

Mobile Home Repair Loan Program

Up to $25,000 loans for home repair needs that protect the health and safety of the mobile home.  You must occupy your mobile home in order to qualify for the program.
  • 20-year deferred at 0% interest loan with a graduated principal forgiveness schedule
  • Mobilehomes built prior to 1976 are not eligible for repairs.  

Accessibility Grant

  • Up to a $5,000 grant to improve access and safety
  • Includes ramps, grab-bars, visual alarms, and more
  • For owner-occupied homeowners, condominiums,* half-plexes,* and mobile homes
  • For elderly (62+) and permanently-disabled persons
*must be legally separate from adjoining structure(s)

How to get started?  

The City of Citrus Heights works with Michael Baker to administer the program. 
Michael Baker International 
 James Beggs
Housing Rehabilitation Specialist 
(916) 231-2230
Housing Repair Program Flyer