Grants directory
Homeowner Repair Assistance Program
City of Modesto Community Development Division · City program
Up to $25,000 forgivable grant for mobile homes; single-family homes can get a 20-year deferred or amortized loan plus a 20% forgivable grant after 10 years.
Modesto offers low- and moderate-income homeowners loans and forgivable grant support for critical home repairs and accessibility improvements. Mobile homeowners can get up to $25,000 forgiven after 5 years, and single-family homeowners can choose deferred or amortized loan options with a 20% forgivable grant.
Program details
How it works
The City of Modesto’s 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 to help make homes more accessible.
What the money covers
The program is dedicated to health and safety repairs. The page lists examples of eligible work including roof repairs/replacement, window repair/replacement, HVAC replacement, electrical and plumbing repairs, and accessibility/ADA compliance work such as wheelchair lifts, grab bars, and shower accessibility. A FAQ section also mentions plumbing, roof, electrical, HVAC, ramps, grab bars, windows, weatherization, and water heater improvements.
Amounts and matching
- Mobile homeowners are eligible for up to $25,000 as a forgivable grant after 5 years.
- Single-family homeowners are eligible for a 20-year deferred or amortized loan.
- For single-family homes, 20% of total project costs is provided as a forgivable grant after 10 years.
- Homeowners may select a 3% deferred loan or a 0% amortized loan with consistent monthly payments.
How to apply
Applicants must use the city’s online portal to submit an application. The page says users need to create a profile, complete the application, and upload the required documentation. Incomplete applications will not be accepted.
Timing and deadlines
No fixed closing date is stated. After a complete application is submitted, the city says staff will review the packet within 30 days. The page also provides an approximate project timeline: inspection within 7 business days of approval, scope determination within 5 business days after inspection, committee approval within 14 business days after scope is determined, contractor walk-through within 10 business days after approval, contractor selection and loan document signing within 10 business days after walk-through, notice to proceed within 10 business days after contractor selection, work beginning and being substantially completed within 30 to 45 days after the notice to proceed, and final inspection within 5 business days of completion.
Full eligibility details
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