Alameda, California · Loan
Emergency Home Repair Program loan (City of Oakland)
Run by City of Oakland Housing and Community Development, Residential Lending
Oakland homeowners earning up to 50% of area median income who live in a 1-4 unit property can borrow $2,500 to $40,000 at zero interest, with no payments until sale, for urgent repairs verified by a health or safety official, such as a leaking roof or failed electrical, plumbing or other major mechanical systems.
Amounts
How much you get
A zero-interest loan of $2,500 minimum to $40,000 maximum for emergency repairs, with no periodic payments; repaid on sale, transfer of title or certain refinances. The amount depends on which of these fits your install.
| What you install | You get |
|---|---|
| Maximum loan | N/A |
| Minimum loan | $2,500 |
Eligibility
Do I qualify?
You need to meet all 4 of these, plus one that applies only in some cases.
Your home is in Alameda, California.
Annual household income can't exceed 50% of area median income, counting everyone 18 or older (including roommates): $55,950 for 1 person, $63,950 for 2, $71,950 for 3, $79,900 for 4, $86,300 for 5, $92,700 for 6, $99,100 for 7, $105,500 for 8.
People in your home Income at or below 1 $55,950 2 $63,950 3 $71,950 4 $79,900 5 $86,300 6 $92,700 7 $99,100 8 $105,500 Oakland property owners living in the unit to be repaired; all owners of record must apply.
1 to 4 unit residential properties.
- Only in some cases
Only for emergencies (roof, sewer, electrical, plumbing or other major mechanical system problems) that have been or can be verified by a health or safety official.
Equipment
What equipment counts
Applying
How to apply
Follow these steps.
- Contact Residential Lending.
Call (510) 238-3909 or email residentiallending@oaklandca.gov.
- Apply.
All owners of record apply; the city checks income and the emergency condition.
- Loan and repairs.
The loan pays for the verified emergency repair.
Forms and instructions, including for applying by mailEmergency Home Repair Program (EHRP) Loan Program Description (revised 6/3/25)
Questions about applying(510) 238-3909 or residentiallending@oaklandca.gov
Stacking
Use it with
Your address
Next steps
Check that it covers your address. Then, if you want, ask for a contractor quote.
Is it available at your address?
Before anything else
Your quote request is in If a contractor we work with serves your ZIP, they can contact you. We take one request per person; contact us to change it.
Get an email if this program changes
We'll write if its amount, status or deadline changes. Nothing else.
FAQ
Questions
How much does Emergency Home Repair Program loan (City of Oakland) pay?
$2,500 to $2,500, depending on what you install. The table under How much you get lists each amount.
Is there an income limit?
Annual household income can't exceed 50% of area median income, counting everyone 18 or older (including roommates): $55,950 for 1 person, $63,950 for 2, $71,950 for 3, $79,900 for 4, $86,300 for 5, $92,700 for 6, $99,100 for 7, $105,500 for 8.
Do renters qualify?
Oakland property owners living in the unit to be repaired; all owners of record must apply.
Is it still available?
Yes. It was open when we last checked, on October 27, 2026.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
- Emergency Home Repair Program (EHRP) - City of Oakland
- Emergency Home Repair Program (EHRP) Loan Program Description (revised 6/3/25)
When one of these pages changes, we re-check this page against it.
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