Yes. Eligibility is based on household income. Applicants must meet established low- to moderate-income limits.

The California Department of Housing and Community Development publishes income guidelines every year. You can view the 2026 HCD income guidelines here.

Repairs are funded through a deferred payment home repair loan. This means you pay no monthly payments or interest while you occupy the home. Loans are due and payable upon sale, change of title or change of use (e.g. from owner-occupied to renter-occupied), or in 30 years.

In most cases, applicants must be current on property taxes and mortgage payments.

In most cases, applicants must provide proof of homeowners insurance, including fire coverage, and flood insurance if the property is located in a designated flood zone.

No.

Eligible properties typically include single-family homes and, in some cases, manufactured homes on a permanent foundation.

Yes. The home must have documented health and safety issues or code violations that require repair.

Yes. Assistance limits vary by program and jurisdiction.

Yes. The property must be located within a participating city or county.

This depends on program guidelines and jurisdiction. Some programs limit repeat participation to ensure assistance is distributed across eligible households.

Program staff are available to assist applicants throughout the process, including answering questions and helping complete application forms. Please contact Irma Wheeler at 559-802-1647 or irmaw@selfhelpenterprises.org.

Applicants are typically required to provide documentation to verify eligibility. This may include proof of income for all household members, such as pay stubs, benefit or award letters, bank statements, and recent tax returns. Additional financial documentation may be required, similar to what a lender or bank would request to verify income and assets.

Applicants must also provide documentation related to the property, including a recent property tax bill, mortgage statement, and a current utility bill. For most programs, proof of homeowners insurance is required, and flood insurance may be required if the property is located in a designated flood zone. Additional documents may be requested based on program guidelines and individual circumstances.