The City of El Cajon administers the housing rehabilitation loan program using CDBG and/or HOME funds. Assistance is available to rehabilitate single family residences located within the city limits of the City of El Cajon or for mobile-homes located in an eligible mobile-home parks.
The deferred, zero interest loan is for qualified households earning 80% or less of the Area Median Income. The loan amount is up to $50,000 for a single family residence and up to $20,000 for mobile-homes. Each loan becomes due and payable if the property is sold, rented, refinanced, transferred, or is no longer owner-occupied. In addition to income restrictions, maximum property value restrictions apply, and the homeowner must have owned the property for at least one year. Please review the HRLP flier and call 619-441-1710 for more information.