Owner-Occupied Housing Rehabilitation Program
Auburn’s Owner-Occupied Housing Rehabilitation Program is designed to assist low-income home owners rehabilitate their homes, with primary emphasis on the repair of health and safety problems. Typical repairs include electrical, plumbing, roofing, structural defects and weatherization. Deferred payment loans are available at 0% interest, not due and payable until sale, change of title, or change in use. The amount of assistance will typically not exceed $60,000.
Information about Auburn’s Housing Rehabilitation Program is provided below as well as the attached
Program Brochure.
How to Apply:
If you currently meet the program requirements below and would like to be considered for a loan, please complete the Program Interest Form. Mail the form to the Auburn Community Development Department; 1225 Lincoln Way; Auburn, CA 95603. If you have questions or require additional information, please call (530) 823-4211 ext 122 or email us.
Income:
Eligible participants must have gross annual incomes at or below 80 percent of the median income for Placer County adjusted for household size.
| 1 person | 2 persons | 3 persons | 4 persons | 5 persons | 6 persons | 7 persons | 8 persons |
| $42,650 | $48,750 | $54,850 | $60,900 | $65,800 | $70,650 | $75,550 | $80,400 |
Eligibility Requirements:
The participation requirements include:
1. Only owner-occupied properties may participate;
2. The property must be the owner’s principle place of residence;
3. The property must be located within the City limits of Auburn; and
4. Owner residency is required following completion of the rehabilitation.
Type and Condition of Home
Housing unit types eligible for the rehabilitation program include single-family residences; condominiums; or manufactured homes on a single-family lot and placed on a permanent foundation system. The home will be inspected by the City to determine property eligibility and to prepare a scope of work and cost estimate.
Insurance Requirements:
1. Fire - Homeowner will be required to maintain fire insurance for the duration of the Program loan.
2. Flood - Homes located within a 100-year flood zone will be required to maintain flood insurance with an endorsement naming the City of Auburn as loss payee.
Additional Requirements:
The amount of assistance will not exceed $60,000.
Loan Terms and Payoff
The City's 0% loan is a deferred, 30-year loan, secured by a promissory note and deed of trust. The City's note becomes due and payable when the home owner sells the property, rents the property, any change in title, changes the use from single family residential, or 30 years, which ever occurs first.
Construction
The following standards will apply to all rehabilitation work:
1. All repair work must meet local building Code standards.
2. All health and safety hazards must be eliminated.
3. The City may require the elimination of non-compliant code issues.
4. A building permit will be required.
5. Upon completion, the property must meet all applicable current codes, rehabilitation standards, ordinances, and zoning ordinances.
6. The program will not fund luxury items.
7. Contractors must be licensed with the State of California and in good standing with the Contractors’ License Board.
8. Contractors must have public liability and property damage insurance as well as worker’s compensation (if applicable), unemployment and disability insurance
Monitoring:
The City of Auburn Community Development Department monitors the property annually to insure continued residency of the home.
