Residential Rehabilitation Program

Need some work done around the house?

Fix up your home with a little help from the City of Huntington Beach.

Sometimes a nice home can fall into disrepair. This may be due to age, weather, or other causes. The City of Huntington Beach is offering qualified low-income homeowners affordable home improvement financing. Funds can be used to correct code problems and for general property improvements.

If you own your home in the City of Huntington Beach, and you meet the City's designated income limits for the Homeowner Rehabilitation Loans and Grants Program, you may be eligible for a low-interest home improvement loan or grant. 

The City will lend up to $75,000 to pay for rehabilitation costs for a single family home, townhouse, or condominium, and up to $25,000 for a mobile home. Grants are also available to low-income households whose estimated repair costs do not exceed $15,000 for single family dwellings and mobile homes. Grants and loans cannot be combined.

All loans are deferred payment loans with no monthly payments; all loan principal and interest will be due when the title to your home is sold, assigned or transferred. The annual interest rate for all loans is 3% simple interest. All borrowers have to pay a $500 processing fee for title search, recording, and other costs; this fee may be included in your loan.

Application Process

  1. Contact the City's consultant, GRC Associates, Inc. at (562) 553-0991.
  2. If you are determined to be eligible, an inspector will schedule a visit to your home or rental unit to check for code problems and other home improvement needs.
  3. Contractors will be invited to bid on the work for your home — you will select the lowest priced, qualified contractor(s).
  4. Loan documents will be prepared for an amount to cover the approved work.
  5. Contractors will be given approval to begin construction after loan documents are signed. Invoices will be sent to the City for payment.

Homeowner Income Limits (Effective 4/1/2024):

Household Size

 Very Low-Income

Low-Income

1

$55,250

$88,400

2

$63,100

$101,000

3

$71,050

$113,650

4

$78,900

$126,250

5

$85,250

$136,350


Income levels are based on the median household income for Orange County and are subject to change.

Eligibility Factors

  • Your income must meet the above eligibility guidelines.
  • You must own your home, and it must be in Huntington Beach.
  • Your property must be in need of repair to meet City Codes.
  • You must have acceptable credit worthiness.
For more information, contact our rehabilitation loan and grant consultant:

GRC Associates, Inc.
8060 Florence Avenue, Suite 303
Downey, CA 90241
(562) 553-0991