REHABILITATION
The Residential Rehabilitation Program provides grants and/or low-interest, deferred, and/or forgivable loans for building code violations, health and safety issues, essential repairs and upgrades of major component systems (e.g., electrical, plumbing, roofing, heating), and general improvements (e.g., exterior finishes). The program provides assistance to lower income households through federal funds. The intent of the program is to ensure that the residents are living in decent, safe and sanitary homes.
Property Type | Loan/Grant Amount | Terms |
Owner-Occupied Residential |
Single Family | Deferred Loan (maximum $50,000) | Principal and interest deferred three percent simple annual interest. Loan amount due when borrowing household no longer occupies as the primary residence. If borrower occupies the residence for a specified period of time, the accrued interest will be forgiven over a designated period of time*. |
Multi-family (e.g., condominium, duplex, triplex) | Deferred Loan (maximum $50,000) | Principal and interest deferred three percent simple annual interest. Loan amount due when borrowing household no longer occupies as the primary residence. If the borrower occupies the residence for a specified period of time, the accrued interest will be forgiven over a designated period of time*. |
Mobilehome or Recreational Vehicle (located within a mobilehome park) | Grant (maximum $5,000) Deferred/Forgivable Loan (maximum $10,000 in addition to grant) | Principal and interest deferred zero percent annual interest. Principal and interest forgiven, prorated over a five-year period. Loan amount due if borrowing household no longer occupies as the primary residence within the five-year period. |
Renter-Occupied Residential |
Multi-family (occupied by lower-income residents) | Deferred Loan (maximum $10,000 per unit) | Principal and interest deferred three percent simple interest. Loan amount due at the expiration of the affordability period. If owner continues affordability period**, accrued interest will be forgiven over designated time period.* |
* Accrued interest forgiven prorated over the following period of time based on the loan amount: Less than $15,000 = five years; $15,000 - $40,000 = ten years; more than $40,000 = fifteen years.
** Initial affordability period based on the loan amount: Less then $15,000 = five years; $15,000 - $40,000 = ten years; more than $40,000 = fifteen years.
City of Encinitas Residential Rehabilitation Program Application
City of Encinitas Residential Rehabilitation Program Guidelines
HCD Manufactured Home Alterations Permit Guide
Residential Rehabilitation Program Brochure
Contact Information for Residential Rehabilitation Loans and Grants
For further information or to apply for assistance, please call (760) 943-2293.
* Disclosure: Some of the documents on this server may contain live references (or pointers) to information created and maintained by other organizations. Please note that the City does not control and cannot guarantee the relevance, timeliness or accuracy of these outside materials. The appearance of external hyperlinks does not constitute an endorsement of the listed entities or information therein. The City provides these links solely to help you find additional information; and is not liable to any third party who may choose to rely on a listed entity or its services.