Making Home Renovations Affordable

Affordable Renovations
Within Arms Reach

Renew Alameda County helps homeowners make renovations necessary to stay, grow, and thrive in their homes. Renew AC can make your home improvement plans come to life—without breaking the bank. Renew AC provides 1% interest loans from $15,000 to $200,000 to qualified homeowners. Simple interest is accrued annually, with total interest never to exceed 50% of amount borrowed, and payments are deferred until the home is sold.

How do I Qualify?

Low-income homeowners within the county who are in need of home renovations to improve their health, safety, and overall quality of life may qualify.

Program requirements include:

  • Own and live in an insured Alameda County home
  • Have an annual income of no more than 80% of Area Median Income*
  • Have no more than $150,000 in Assets
  • Meet credit requirements focusing on the security of your home.
  • Have a loan-to-value of no more than 90% including the Renew AC Loan.

Eligible properties include:

  • Single Family Detached Homes
  • Townhomes
  • Condominiums (interior improvements only)
  • Two- to four-unit properties (rehabilitation is limited to the owner-occupied unit only, along with system-wide/structure-wide rehabilitation improvements)

Relocation support may be offered subject to availability and program administer discretion.

“This program is necessary, amazing, and absolutely essential for the health and safety of aging seniors.” -James Powell 

“God sent this program and these people into our lives when we most needed it, couldn’t afford it, and least expected it!” -Brenda Bailey

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Next Steps to Apply

Questions about Renew AC? Curious if you are eligible? Submit a Request for Service today and Renew AC staff will help you get started!

Or download a printable form in English –Español – Tagalog – 繁體中文 – 简体中文 – Tiếng Việt – Hindi.