Rebuilding Financial Assistance

CalHome Disaster Assistance Loan Program for Santa Rosa
CHANGE TO PROGRAM ELIGIBILITY: Program Expanded as of February 19, 2020 to Benefit More Homeowners (Updated Eligible Use)
The CalHome Disaster Assistance Loan Program has expanded to allow loan funds to be used as gap financing for mobilehomes located in a mobilehome park within the Santa Rosa City Limits, including replacement of a mobilehome.

In January, 2020, the CalHome Disaster Assistance Loan Program expanded to make households earning up to 120% of the Area Median Income (AMI), eligible for the Program (the previous AMI was up to 80%). Up to 120% AMI currently equates to $111,950 for a family of four. 

After the 2017 wildfires, the Housing Authority of the City of Santa Rosa applied for and was awarded a $1.2 million CalHome Disaster Assistance grant from the California Department of Housing and Community Development. To best utilize these funds, the Housing Authority is offering low-interest, deferred payment loans as gap financing for the reconstruction or rehabilitation of income-qualified, owner‐occupied, single‐family homes within the Santa Rosa city limits.

Eligible homeowners are those whose homes were damaged or destroyed in the October 2017 wildfires and who have not yet begun to rebuild will be able to apply for gap funding of up to $100,000.

Community Meeting

An informational community meeting was held on Monday, March 11, 2019, at Finley Community Center. Watch a 5-minute video recording of the meeting presentation.


Download the Application. Printed copies will be available at the March 11 community meeting. Completed applications will be accepted starting March 18, 2019. The original deadline of April 15 has been extended until further notice. Applications will continue to be accepted until program funds are expended. Completed applications may be submitted by U.S. Mail or dropped off at the Department of Housing & Community Services, 90 Santa Rosa Ave, Santa Rosa.

Loan Information

Applicants may apply for up to $100,000 for rehabilitation or reconstruction of their single-family home, or for rebuilding/replacement of a mobilehome located within a mobilehome park, based on the documentation provided in the application that demonstrates the gap funding needed. The loans are 30-year deferred payment loans through the Housing Authority of the City of Santa Rosa, with 3% simple interest. No payments will be required prior to the thirtieth anniversary of the loan, however, the loan will be due and payable in full prior to 30 years upon the earlier of: sale or transfer of the home; cessation of owner‐occupancy; or upon the loan maturity date. For complete terms, see the Program Guidelines.

Loan Decisions

Loans will be made on a first-come, first-served basis and made until all funds are expended. Applications will be assessed in the order received combined with the order in which the application was deemed complete. A complete application means submission of all required documents that are listed on the application. 


  • Homeowners of single-family homes or mobilehomes in Santa Rosa that were destroyed or damaged in 2017 wildfires. 
  • Household income no greater than 120% of Area Median Income, adjusted for household size (see chart below).
  • Reconstruction or rehabilitation of the home has not started yet.
  • Must have owned and occupied the home before the disaster, and the home will continue to be owner’s primary residence upon completion.
  • Value of the residence following rehabilitation/reconstruction may not exceed the most recent median sales price for Sonoma County provided by the California Association of Realtors.
  • A complete explanation of eligibility can be found in the Program Guidelines.

Frequently Asked Questions

Click here for a list of answers to frequently asked questions. 

Contact Us

Homeowners with questions regarding the CalHome Disaster Assistance Loan Program may contact Nancy Manchester, Program Specialist in the City of Santa Rosa Housing & Community Services Department at (707) 543-4339.

Income Guidelines for CalHome Disaster Assistance Loan Program (Effective May 6, 2019)

Household Size Sonoma County 120% of Area Median Income (AMI)
1 Person $78,350
2 Persons $89,550
3 Persons $100,750
4 Persons $111,950
5 Persons $120,900
6 Persons $129,850
7 Persons $138,800
8 Persons $147,750