Minor Home Repair
The Minor Home Repair Program assists homeowners with the repair of health and safety hazards. Homeowners can qualify for a forgivable loan of up to $15,000 for single-family homes or $7,500 for mobile homes. The loan is forgiven over a 10-year period (10% per year) if the homeowner continues to live in the home and meet the terms of the loan agreement.
How do I know if I qualify?
Your household may qualify if:
- You earn less than 80% of the area median income, adjusted for household size. The 2022 income limit is $56,750 for a one-person household and $81,050 for a four-person household. (Please call for other household sizes or current income information.)
- You own your home, either with or without a mortgage.
- The home is within the incorporated limits of the City of Elk Grove.
- The home has one or more health and safety hazards.
- You have lived in the home for at least one year.
- You can maintain the property in a safe and clean manner for the next 10 years.
- You are current on your mortgage and property tax payments.
- You have homeowner’s insurance.
How do I apply for assistance?
This program is currently at capacity. Please contact the Housing Division at (916) 478-2254 to be put on a waiting list.
What repairs are eligible?
There must be an existing health and safety hazard to receive assistance. Common types of repairs include:
- Roof repair or replacement
- Heating and cooling system repair or replacement
- Water heater replacement
- Plumbing repair
- Electrical repair
- Mold or water intrusion remediation
- Accessibility improvements
What repairs are not eligible?
These types of improvements are generally not eligible:
- Landscaping (including tree removal)
- Cosmetic improvements, such as painting or flooring
- Repairs to garages and other non-living spaces
- Routine maintenance
- Appliance repair
- Purchase of appliances or furnishings