The City of Merced periodically offers different loan programs for residents hoping to purchase or rehabilitate their homes. Loan programs and types may vary depending on available funding.
Please contact our office, (209) 385-6863, to learn more about which program will best serve your needs, or feel free to explore our website.
Through the continued help of Habitat for Humanity of Stanislaus County, the City of Merced Housing Division is able to provide the Housing Rehabilitation Loan Program. This program provides no-interest, forgivable loans to property owners who qualify on a financial sliding-scale basis.
The first priority for this loan is the correction of code violations affecting the health and safety of the occupants. Numerous other improvements and repairs are allowable, including: painting, floor covering replacement, new roofs, and room additions warranted by overcrowding. Habitat for Humanity Stanislaus or the Housing Division can provide more information to you about all of the improvements that are possible through a rehabilitation loan.
For more information, please contact:
- The City of Merced Housing Division - (209) 385-6863
- Habitat for Humanity of Stanislaus County - (209) 575-4585
Please use the link below to view income level qualifications for this program:
The First Time Home Buyer Assistance Program is aimed at providing financial support to help families purchase their first home. This program provides low interest rate loans to help with down payment and closing costs. Applicant must be able to qualify for a first mortgage loan.
For more information, please call the City of Merced Housing Division at (209) 385-6863.
Please note: funding is not available at this time, but please continue to check back to this page for updates. Thank you for your interest!
The CALHOME Program provides home loans to first time home buyers and rehabilitation loans to homeowners who would like to upgrade their property.
Steps to qualify for CalHOME First Time Home Buyer Assistance:
- Get pre-approved by a mortgage lender
- Must not exceed HUD income limits (see application for limits)
- Must not have owned a home within the last three years
Please contact the Housing Division (209-385-6863) to complete a preliminary application for the owner-occupied rehabilitation loan
First Time Home Buyer Assistance: