City of Stockton Economic Development Department

Low-income families

City of Stockton Economic Development Department provides the following assistance to qualified low and moderate income City of Stockton residents:

The Housing Division administers programs that create housing opportunities for residents of Stockton through down payment assistance, emergency repairs, and neighborhood improvements.

Available Housing Programs:

• Down Payment Assistance Program
• Emergency Repair Program
• Housing Reconstruct Loan Program
• Housing Rehabilitation Program
• Neighborhood Improvement Loan Program

• The Down Payment Assistance Program is designed to assist families with purchasing their first home. The City of Stockton works directly with the lender. Persons interested in the program should contact their lenders immediately to make sure they qualify.
• The Emergency Repair Program was designed to provide one-time emergency repair assistance to low-income property owners. Properties that have one owner over the age of 65 or with special needs may be eligible for a grant. Repairs are limited to corrections of code violations listed in official documents issued by the City, the Fire Marshall or the Health Officer stating that it presents an imminent danger to life, limb, property, or safety of the public or its occupants.
• The Housing Reconstruct Loan Program provides money to low-income families to rebuild a house on the existing site only when repair costs are too high or cost more than new construction. Some restrictions apply. The Housing Reconstruct Loan Program is considered when the house does not qualify for the Housing Rehabilitation Program.
• The Housing Rehabilitation Program is designed to provide financial assistance to low-income homeowners in making substantial interior and exterior repairs to bring the property to California and local building code standards, as amended and adopted. Eligibility of participants is limited to owner-occupied, single-family homes or two units on a lot with one of the units occupied by the eligible owner. The property must be located within the city limits of Stockton.
• The Neighborhood Improvement Loan Program is designed for low-income homeowners residing in target areas, action team areas, and safe neighborhoods. Its purpose is to help homeowners make repairs due to City code violations and to assist qualified homeowners who wish to make repairs to their home but who do not qualify for the City's regular Housing Rehabilitation Program. Funds can be used primarily for exterior improvements such as roof, painting, fencing and landscaping, along with water heater, plumbing, electrical, and sewer.