The City of Richmond operates a number of home repair and rehabilitation programs for Richmond residents. Eligibility requirements vary by program.
 
Emergency Loan Program
For homeowners with credit problems who require emergency repairs to their homes to ensure health and safety. Maximum loan amount of $15,000 with interest rate between 0% and 3%. Borrower must attend credit counseling. Certain income limits apply.
For more information: 510-307-8140

Home Improvement Loan Program
Maximum loan amount of $35,000 for home improvements. Interest rate ranges from 0% to 3% over 15 years. Certain income limits apply.
For more information: 510-307-8140 

Project REAL (Richmond Effort to Abate Lead) 
FREE program for low-income families with children under 6 years old living in housing built prior to 1978. In-home testing for lead paint hazards and remediation of identified lead hazards. Also, blood-lead testing for children under age 6.

Eligibility Requirements:

• Low income homeowner OR renter
• Home built before 1978 and located in Iron Triangle, Santa Fe, North Richmond, or the City of San Pablo
• Children under 6 living in or visiting the home frequently

Description in Spanish
Facts about lead poisoning
Instructions for applicants 

For more information: 510-412-8568

Rental Rehabilitation Program
Rental housing owner borrows funds to upgrade existing substandard rental housing to safe, decent, and sanitary conditions. Owner's matching funds of 50% are required. Interest rate is 0% with no monthly payments. Loan becomes due in full in 10 years. Renters of units must meet income requirements.
For more information: 510-307-8140 

Seniors and/or Disabled Only
The following programs are available to seniors and the disabled.

Deferred Loan Program
Borrower must be senior citizen or handicapped. Maximum loan of $20,000 at 0% interest rate for home improvements.
For more information: 510-307-8140.

Ebb Everrett Helping Hand Program
Provides minor rehabilitation to homes of seniors and disabled residents and creating safe and habitable housing.
For more information: 510-412-2048.

Richmond We Care Paint Program
Free exterior painting of homes in selected target neighborhoods for seniors and disabled persons.
For more information: 510-307-8140