home repair program
Habitat for Humanity of Tuolumne County Home Repair Program will enable homeowners in Tuolumne County to make necessary repairs to their homes through zero-interest loans!
Do you own your home but are unable to complete necessary repairs?
Are you on a fixed or low income and are unable to pay the up-front costs of home repairs?
Are you disabled and need to install upgrades to make your home more ADA accessible?
Then the Home Repair Program may be right for you!
*All home repairs are completed with COVID-19 health and safety precautions in place.*
CURRENTLY ACCEPTING APPLICATIONS!
3 Aspects of Home Repair
Exterior work including: patching, minor repair, and replacement of exterior building materials for maintaining good or sound condition.
Critical Home Repair:
Extensive interior or exterior work to address safety issues or code violations. This includes accessibility needs (ADA) and installation or extension of plumbing, mechanical, or electrical systems.
Repairs that help manage energy efficiency including windows, doors, siding, weather stripping, and gutter repair.
Frequently Asked Questions
- Need: You must own your home and have a repair need that falls within our parameters and and income that fits within 80% of AMI or below.
- Ability to Pay: You must be willing and able to make payments on a 0% interest Habitat Home Repair Loan.
- Willingness to Partner: You must be willing to complete 2 hours of sweat equity per $1,000 of repair work (minimum 2 hours).
- Own your home in Tuolumne County that is your primary residence.
- Provide ownership documents, with no outstanding liens on property (other than mortgage).
- Provide proof of home owner’s insurance.
- Be current on mortgage, property tax, utilities, and homeowner’s insurance payments.
- Have no more than $20,000 in liquid assets.
- The property is not an income property.
- You have no present intention of moving or selling your home for 3 years.
*Veterans can receive assistance in a home they do not own, with the owners’ permission in order to help with accessibility needs.
Phase 1 – Application
- You submit your application along with all the required documents.
Phase 2 – Home Assessment
- A home assessment is conducted to identify and confirm work you need done.
Phase 3 – Approval and Partnership Meeting
- Once approved, you will agree to the work to be completed and the loan terms.
Phase 4 – Repair and Repayment
- Repairs are completed! Once complete, your loan goes into repayment.
Each homeowner is eligible for up to $7,500 in repairs over the course of 3 years! That means you can apply for our program more than once until you hit the $7,500 maximum. After 3 years, you will be eligible to apply again.
The loan is a Zero Down, Zero Percent Interest loan. Your repayment schedule is then based on your income in order to ensure that your monthly payment is not more than you can afford to pay.
“Sweat equity” refers to the hands-on involvement of participants in the community. With Habitat that can take many forms including helping with the repair, working at our construction site, providing lunches, working at the Habitat for Humanity ReStore, helping in our administrative office, or countless other ways that give back to the community.
The income guidelines are the same as for our home buyer program. However, there is no minimum income requirement to take advantage of the Home Repair Program, only a maximum.
Yes. However, if the mobile home is located in a mobile home park, repairs are limited to $5,000. If the mobile home is located on land you own, then the $7,500 limit still applies.
Repairs are completed through a combination of Habitat staff, volunteers, and licensed contractors.
If the owner of the home you live in agrees, then yes! We can help veterans who rent their homes in order to assist with ADA accessibility. The owner of the home will have to be willing to partner with us as well through the application process.
Of course! We love to have volunteers help with all aspects of what we do here at Habitat for Humanity.
Click here to go to our volunteer page and fill out the volunteer application. Bring it in to our administrative office at 14317 Mono Way, Suite F, Sonora and let us know you want to volunteer with the Home Repair Program.
There are always a variety of ways to donate to Habitat.
If you would like to give a financial donation to this program the best way to do that is to send a check to PO Box 4387, Sonora, CA 95370 or visit our administrative office at 14317 Mono Way, Suite F. You can also donate online through our website, (however a portion of those funds are used for processing).