Apply to the Home Maintenance and Improvement Program

The Home Maintenance and Improvement Program (HMIP) provides loans to owner-occupied low-income and moderate-income households to correct health and safety violations and repair systems at risk of failure.

Documents

About

Eligible Applicants: Oakland property owners living in the unit to be rehabilitated or repaired.

Location: Any location in Oakland is eligible.

Eligible Properties: Owner-occupied single-family dwelling or up to four units.

Income

• One-unit structures must be occupied by low- to moderate-income households
• Two-unit structures must have at least one unit occupied by a low-moderate income household
• Three-to-Four unit structures must have at least 51% of the units occupied by low-moderate income households
• 0% Deferred Loan: Annual Household Income cannot exceed 50% of the established HUD median income limits* for Alameda County
• 3% Deferred Loan: Annual Household Income cannot exceed 80% of the established HUD median income limits* for Alameda County
• Income of all household members who are 18 years or older must be considered to determine income eligibility.

Occupancy: Applicant must occupy the property. All owners on record must apply. Eligible Uses: See eligible repairs.

Other Requirements: N/A