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Single Family Owner-Occupied Rehab

The Single-Family Owner-Occupied Rehabilitation Program (SFOO) helps communities repair and improve homes that are owned and lived in by families. The program addresses health and safety hazards, corrects substandard conditions or housing code violations, improves accessibility, and enhances energy efficiency, helping homes remain safe, livable, and affordable.

Eligible Applicants

  • Community Partner (Nonprofit organization)
  • Local Governments
    • Any county, municipality, city, tribal government, special district organized under Title 32, school district, district, or a housing authority created under Part 2 of Article 4 of Title 29.

Eligible Households

Any household that meets the income requirement and lives in an eligible community. 

Eligible Housing Types

  • Single Family Homes
  • Duplexes
  • Townhomes
  • Condominiums
  • Manufactured and modular homes on permanent foundations or properly tied down, on land owned by the homeowner client.
  • Manufactured and modular homes on rented lots.
  • Any of the above, on Community Land Trust Property.

Eligible Communities

For a project to be eligible for Proposition 123 funding, the county, municipality or tribal government must first file a commitment to increase affordable housing within each jurisdiction by 3% per year and implement a 90-day expedited review process for affordable housing projects by December 31, 2026.

New commitments will be accepted November 1, 2025.

A list of jurisdictions that have filed commitments is available.

Eligible Projects 

  • Repairs and improvements to owner occupied residences
  • Mobile home repairs and replacement
  • Accessory Dwelling Unit (ADU) repair and construction

Additional ADU requirements will apply.

Affordability Period

SFOO loans - N/A 
SFOO emergency repair grants - 5 years 
MH Replacement loans - 5 years

AMI Limitations

Up to 100% AMI

Allowable SFOO Loan Terms

Loans are non-forgivable

  • Amortized Loans
  • Deferred Loans 

No Max loan amount. 

Total indebtedness against the property cannot exceed 100% of its value.

Overall debt service should not exceed 43% of gross income, without prior DOH approval.

Allowable Emergency Repair Grant Terms

Emergency repair grants up to $10,000 for households at 100% AMI or below.

Allowable MH Replacement Loan Terms

Replacement of mobile or manufactured homes

  • The maximum loan amount must be the lesser of; actual cost of repairs, replacement value, or loan amount that yields 35% front-end debt to income ratio.
  • The loan must be amortizing.

Administering Agency Operational Funds

Not to exceed 10% of the total agreement amount, can submit a waiver request to exceed 10% with backup documentation to justify the higher admin costs. 

Additional Due Diligence Requirements

The application requirements can be found in the Development Application Instructions and the project-specific application material checklists are found on the DOH website. Please note the checklists may not be exhaustive depending on the specific nuances of a project.  

Reporting Requirements

Awardees will be required to report quarterly and semi-annually to DOH. Reports will include, but are not limited to:

  • A description of each awardee’s use of the grant funds.
  • Program performance progress (loans closed, program accomplishments/difficulties, etc.)
  • Beneficiary information including but not limited to demographic (e.g., race and ethnicity), geographic, income, and program participants.
  • Program Income reporting semi-annually, or more frequently if required.
  • Other State reporting requirements as required.
  • Please be sure to refer to the published and periodically updated Term Sheet and FAQs immediately prior to application as additional requirements and/or waivers may be published.
  • Please be sure to refer to the published and periodically updated Term Sheet and FAQs immediately prior to application as additional requirements and/or waivers may be published

Application and Award Process

Applications should be submitted through Neighborly and follow typical DOH Funding Application guidelines. Contact your Asset Manager for additional information.

  • Award and Determination: After DOH staff underwrites applications, staff recommendations will be presented to the State Housing Board (SHB). SHB recommendations will then be presented to the DOLA Executive Director for final approval. A contract between DOH and the applicant can start being drafted at this time.

Contact

Contact your Asset Manager for additional information.

This form should be used to report problems or issues with this website. Questions pertaining to a program or service provided by DOLA should be addressed to contact information located on the specific program pages.

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