Apple Valley Offers Up to $75,000 in Zero-Interest Home Repair Loans: Who May Qualify

APPLE VALLEY, San Bernardino County — October 26, 2026. Homeowners facing major safety, accessibility or energy-efficiency repairs may have another financing option: the Town of Apple Valley currently lists a Residential Rehabilitation Loan Program offering up to $75,000 at 0% interest for eligible owner-occupied housing. It is a loan secured against property, not a grant or unrestricted cash payment.

What repairs are eligible?

The town identifies four main purposes: correcting health and safety or code violations, conserving energy, making homes more accessible to people with disabilities, and undertaking necessary deferred maintenance. Eligible properties may include owner-occupied homes with one to four units. The town’s Housing Division must determine whether a specific property, repair and household qualify.

How the deferred loan works

According to the municipal program page, the interest rate is zero and payments may be deferred for up to 30 years. A homeowner generally does not make regular payments during the deferral period, but the debt remains outstanding. Selling or transferring the property, moving out, or initiating a cash-out refinance triggers repayment under the published terms. Borrowers may repay early without a penalty.

The town says the borrower will sign a promissory note and deed of trust. An applicant must be current on their mortgage and property taxes and provide documentation supporting property ownership and household income. Owners should review the actual loan agreement and any lien priority conditions before signing.

Income and property rules published for 2026

The municipality specifies income below 80% of the applicable San Bernardino County area median. Its June 1, 2026 CDBG schedule lists annual household income limits of $68,900 for one person, $78,750 for two, $88,600 for three, $98,400 for four, $106,300 for five, $114,150 for six, $122,050 for seven and $129,900 for eight. The household-size rules, income calculation and eligibility determination belong to the town, not to California58.

Published property-value limits are up to $499,000 for the HOME-related program and up to $500,000 for the CDBG-related program. Those figures are not a statement about the current market value of homes in Apple Valley. Funding availability, applicable program rules and approved repairs should be confirmed with the Housing Division before making financial commitments.

What residents should ask first

Before hiring contractors, homeowners should confirm whether funding is currently available, which repair types are accepted, whether the home and household meet the underwriting standards, when repayment becomes due, and which inspections or permits will be required. If an advertised company offers to “enroll” someone for a fee, verify the arrangement directly with the town.

Official source: Town of Apple Valley — Residential Rehabilitation Loan Program. The listed Housing Division email is housing@applevalley.org. The town’s main telephone number is 760-240-7000.

For local building-permit guidance, read Apple Valley’s permit-center explainer, and follow Apple Valley News for neighborhood reporting.

Editorial note: This article describes municipal loan rules published as of October 26, 2026. It does not determine eligibility, guarantee funding or provide personal financial advice.

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