The San Diego Housing Commission (SDHC) provides loans to qualified low- and moderate-income homeowners for eligible home improvements.
Since 1980, more than 12,000 San Diego property owners have renovated their properties with assistance from SDHC.
SDHC’s current rehabilitation programs provide low-interest, deferred payment loans for home improvements, with an emphasis on energy efficiency and water conservation.
Clean & Green Loan Program
The Clean & Green Program offers low-interest, deferred-payment loans to eligible low-income homeowners throughout the City of San Diego for interior and exterior enhancements, with an emphasis on water and energy conservation improvements to their homes.
Homeowners earning no more than 80 percent of San Diego’s Area Median Income (AMI) may qualify for a 3 percent interest, deferred-payment loan of up to $25,000.
The property must be a single-family detached residence that is owner-occupied.
No monthly payments are required.
However, the principal balance plus accrued interest must be repaid if the property is sold, refinanced to take out equity, no longer occupied by the owner as a primary residence or at the end of the 30-year term.
Housing Enhancement Loan Program (HELP)
The Housing Enhancement Loan Program (HELP) provides forgivable loans to low- and middle-income homeowners in specific redevelopment areas of San Diego for interior and exterior enhancements to their properties that encourage water and energy conservation.
The program is open to homeowners of one- and two-unit properties in the redevelopment areas of:
- City Heights
- College Grove
- Linda Vista
- North Park
- San Ysidro
- Southeastern part of San Diego
Eligible homeowners earning up to 100 percent of San Diego’s AMI may qualify for a 3 percent interest, deferred-payment loan, which is forgivable after 10 years.
The loans range from $20,000 to $30,000 depending on the redevelopment area in which the property is located.
The principal balance plus accrued interest must be repaid if the owner sells, refinances to take out equity, or no longer occupies the home as a primary residence during the 10-year term.
SDHC administers the HELP program on behalf of Civic San Diego, the San Diego Redevelopment Agency’s successor agency.
Eligible upgrades through SDHC’s housing rehabilitation programs include, but are not limited to:
- Energy-efficient electrical systems
- Water-saving landscaping
- Water-wise plumbing fixtures
- Energy Star-rated window & doors
- Heating and air conditioning
- New roof