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Minor Home Repair Program

The Minor Home Repair Program provides loans to homeowners of single family dwelling units with the following goals:

  • Maintain safe homes and attractive neighborhoods
  • Preserve and improve the quality of the housing stock
  • Assist seniors to age in-place or the disabled to remain in their home
  • Enhance the security of the home through the awarding of loans

To be eligible, homes must be owner-occupied single-family units and located within the city limits of the City of Carlsbad.

Assistance provided

The maximum loan amount that a household may borrow under the Minor Home Repair Program is $5,000 maximum per unit.

All Minor Home Repair Program loans are zero percent interest deferred payment loans. Each loan will have a five-year term. The principal amount of the loans will be forgiven by 20 percent per year for each year that the home remains under the original ownership. If the home is sold (or there is a transfer of ownership) prior to the expiration of the five-year term, the portion of the loan which has not yet been forgiven must be repaid at the time the home is sold or there is a change in ownership. These loans are available to low income households who own and occupy their home as their primary residence. Homes may not be rented during the five-year term of the Minor Home Repair Program loan. There shall be only one loan of funds allowed per property in any five-year period.