The City of Tracy Community Development Agency is pleased to offer the following loan and grant programs to qualified, income-eligible, owner-occupied homeowners in the downtown area.
Rehabilitation Home Loan Program
This program offers low interest and, in some cases, deferred payment loans up to $50,000 for needed home rehabilitation work.
Eligible improvements include mechanical, electrical, plumbing, heating and structural systems repair or replacement, drainage improvements, roof repair; painting, siding and weatherizing.
Weatherizing and Home Security Program
Offers grants up to $2,000 for weatherizing and home security improvements.
Eligible improvements include insulation for attic and walls, weather stripping for doors and windows, security lighting, doors and screen doors, energy efficient windows, smoke and carbon monoxide detectors, residential security systems, and roof and siding repairs.
Grant funds are available on a first-come, first-served basis, after completion of the repair work. All grant eligible improvements must have prior approval from the City of Tracy Community Development Agency.
Exterior Enhancement Program
Offers grants up to $2,000 for home exterior improvements. Eligible improvements include exterior painting, new fencing, roof repairs or replacement, security doors and security screen doors, front yard landscaping, and driveway repair or replacement.
Grant funds are available on a first-come, first-served basis, after completion of the repair work. All grant eligible improvements must have prior approval from the City of Tracy Community Development Agency.
Emergency Home Repair Assistance Program
Offers grants up to $2,000 for needed emergency repair or accessibility modifications.
Eligible improvements include mechanical, electrical, plumbing and structural systems, drainage improvements to prevent or correct flooding of structures, and roof repairs.
Grant funds are available on a first-come, first-served basis, after completion of the repair work. All grant eligible improvements must have prior approval from the City of Tracy Community Development Agency. However, if prior approval cannot be obtained due to an unforeseen emergency, repair costs may be eligible under certain conditions.
Down Payment Assistance Program
Provides deferred, down payment assistance loans of 30% of purchase price of home with a cap of $75,000 for low income, first-time homebuyers for the purchase of newly built or existing homes.
All first time home buyers must be certified as first time home buyers by a HUD approved agency (ie. Visionary Home Builders).
Loan and Grant Program Eligibility Requirements
- Applicants must be owner-occupants of home in need of improvements.
- Homes must be located within the downtown area (see map).
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Programs are available to downtown Tracy residents whose income does not exceed the following limits:
*Additional restrictions may apply.Household Size* Annual Income 1 $53,450 2 $61,050 3 $68,700 4 $76,350 5 $82,450 6 $88,550 7 $94,650 8 $100,750
The City of Tracy Downtown Rehabilitation Loan and Grant Programs help to create a better place to live by enhancing the quality of life for low-income families and preserving the existing housing stock in the City of Tracy.
For additional information, please contact:
City of Tracy
Community Development Agency
324 E. 11th Street, Suite D
Tracy, CA 95376
Phone: (209) 831-6490
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