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OWNER-OCCUPIED REHABILITATION MANUFACTURED HOME PROGRAM
Owner-occupied rehabilitation program home
PROGRAM OVERVIEW EFFECTIVE 2024
The property must be owner-occupied.
The property must be a manufactured home, not on a permanent foundation.
The minimum loan amount for eligible Borrowers is $1,000; the maximum is $100,000.
Applicant household income cannot exceed 80% of Los Angeles County Area Median Income (AMI).
  • The property must be within the City of Norwalk’s limits/boundaries.
  • Occupancy Ratio: No more than 1.5 people per living space (including bedrooms, living room, family room, den/study).
  • CalHome program funds in support of an Owner-Occupied Rehabilitation program shall be used only for the following costs:
a)
Cost of Rehabilitation of the property.
b)
Cost of building permits and other related government fees.
c)
Cost of an appraisal, architectural, engineering, and other consultant services that are directly related to the Rehabilitation of the property.
d)
Non-recurring Loan closing costs.
e)
Replacement cost of a manufactured home not on a permanent foundation, where it has been determined by the Recipient that it is infeasible to rehabilitate the home.
  • Principal and interest payments shall be deferred for the term of the CalHome Loan.
  • The full loan amount becomes due and payable in the following circumstances:
a) Sale or transfer of the property, excluding permitted transfers.
b) The owner no longer occupies the property as their primary residence.

The Loan shall be due and payable in 20 years, with 10 percent of the original principal to be forgiven annually for each additional year beyond the 10th year that the Borrower owns and continuously occupies the home.

Example: The original loan amount is $100,000 with a 3% simple interest added, totaling $103,000.

1st -10th Year
Full amount due, no deductions.
11th Year:
10% reduction from principal amount, lowering amount to $93,000.
12th Year:
10% reduction from principal amount, lowering amount to $83,000.
13th Year:
10% reduction from principal amount, lowering amount to $73,000.
14th Year:
10% reduction from principal amount, lowering amount to $63,000.
15th Year:
10% reduction from principal amount, lowering amount to $53,000.
16th Year:
10% reduction from principal amount, lowering amount to $43,000.
17th Year:
10% reduction from principal amount, lowering amount to $33,000.
18th Year:
10% reduction from principal amount, lowering amount to $23,000.
19th Year:
10% reduction from principal amount, lowering amount to $13,000.
20th Year:
Final 10% reduction, with a remaining balance of $3,000—only being the 3% simple interest for repayment.

Simple Interest Repayment:

The accrued simple interest cannot be waived. A monthly repayment of $250.00 will be required over the span of one year to settle the remaining balance.

HOW TO APPLY!

The City of Norwalk has been awarded the CalHome Grant, which assists eligible homeowners with repairs.

Please complete the form, and we will contact you as soon as possible.

To ensure the CalHome Program is fully funded and processed efficiently, the City will accept all interested parties and will process 25 applications at a time. Once an initial 25 applications are fully vetted, the City will proceed with the next set of 25 applicants. Thisprocess will continue until all available funds are allocated.

CONTACT FORM

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