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Our Upcoming Events
Emergency Home Repair Program
Purpose: Provides loans for major home repairs that require immediate attention. Citation issued by a Fire Marshall, Health Officer or Code Enforcement Officer.
Status: Taking applications now.
Maximum Amount: $15,000
Minimum Amount: $2,500
Eligible Applicants: Oakland property owners living in the unit to be rehabilitated.
Location: Properties may be located anywhere within in the City of Oakland.
Eligible Properties: 1 to 4 unit residential properties.
Income: Applicant's annual household income cannot exceed 50% of the area median income*. Income of all household members 18 years or older must be considered (includes house/roommates).
Occupancy: Applicant must occupy the property. All owners on record must apply.
Eligible Uses: Loan funds can only be used for emergencies such as roof, sewer, electrical or plumbing repairs, or other major mechanical system problems that have been or can be verified by a health and/or safety official.
Other Requirements: None.
Interest Rate: Zero interest
- No periodic payments
- Loan will be paid upon the sale or transfer of title of property
Prepayment Penalty: N/A
Closing Costs: $350
Security: Deed of Trust
How to Apply
Status: Available Now
Process: Complete and submit the application, including required documentation to:
City of Oakland
Housing and Community Development
Residential Lending Services
250 Frank H Ogawa Plaza, Ste 5313
Oakland, California 94612
Residential Loan Programs: Main Application
Emergency Home Repair Program: Addendum Application
Call (510) 238-3909 to request a mailed application.