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Download the Main Application

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Download the NHRP Addendum

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Mailing Address


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Complete and mail the main application and the NHRP addendum, including required documentation to submit the application.

You can also request a mailed application from the same address.

Information and Requirements

Eligible Applicants: Borrowers must be individuals, not partnerships, corporations or non-profit organizations. Borrowers must have title to the property at the time of application. Borrowers who are licensed contractors must agree to abide by the City of Oakland Living Wage Ordinance. Borrowers must demonstrate credit worthiness, financial capacity, and relevant past experience to undertake the rehabilitation project.

Location: Property must be located in one of the seven Community Development Districts. See district maps in the CDBG section of this website.

Eligible Properties: Single-family dwelling or one-to-four residential unit building. Must be vacant, blighted and have one or more major code violations.

Eligible Uses: In general, loan funds are to be used to cover the repair costs and related development costs associated with repairing properties to comply with code. Eligible development costs include, but are not limited to, permit fees; architectural and engineering fees; appraisal fees; and title and escrow fees. Loan funds must first be used to correct code violations necessary to receive building services approval. All work must be under the supervision of a licensed general contractor in good standing with Contractors State License Board (CSLB).

Other Requirements: The proposed project must meet the Performance Standards and Specifications for the Housing Rehabilitation Programs of the City of Oakland and must meet all applicable building codes, housing and planning standards.

Projects which best meet the general criteria specified above will be reviewed further and receive priority consideration based on the following:

  1. Oakland residency;
  2. Demonstrated experience in having successfully completed rehabilitation/construction projects within recent four (4) years;
  3. Properties that have been declared substandard by the City of Oakland; and
  4. Properties that have been vacant for one (1) year or more.

If sold to a first-time homebuyer with income less than 120% of area median:

Interest Rate: 0% interest

Payments/ Term

  • No periodic payments.
  • Loan term is 24 months.
  • Payments are deferred with principal and accrued interest due and payable on or before expiration of the loan term.

Prepayment Penalty: None

Closing Costs: $500

Security: Deed of Trust

If sold to any other household or maintained as rental property:

Interest Rate: 10% simple interest

Payments/Term

  • No periodic payments.
  • Loan term is 24 months.
  • Payments are deferred with principal and accrued interest due and payable on or before expiration of the loan term.

Prepayment Penalty: None

Closing Costs: $500

Security: Deed of Trust