Affordable Housing Program

A photo showing the construction of an apartment building for low-income families funded by the County of Fresno Housing Development Program.
A photo showing a recently completed affordable apartment complex for low-income families assisted by County of Fresno Housing Development Programs.
A photo showing the groundbreaking of single family homes in Country Meadows, a project by Habitat for Humanity Greater Fresno Area, which was assisted by the County of Fresno Housing Development Program.
A photo showing the framework of houses being built for low and moderate income families, partially funded by County of Fresno Housing Development Programs.
A photo showing a row of houses under construction that were funded by the County of Fresno Housing Development Program.

The Community Development Division manages the following programs to help increase the supply of new affordable housing and improve the condition of existing housing for low- and moderate-income families.

Eligible Fresno County Areas

Cities of:
  • Fowler
  • Kerman
  • Kingsburg
  • Mendota
  • Orange Cove
  • Reedley
  • Sanger
  • Selma
Unincorporated areas consisting of County Islands within the Cities of Fresno/Clovis, including:
  • Bullard
  • Calwa
  • Easterby
  • Fig Garden
  • Mayfair
  • Tarpey Village
  • Sunnyside
  • West Fresno

All other unincorporated County areas, including but not limited to:

Auberry, Big Creek, Biola, Bowles, Burrell, Cantua Creek, Caruthers, Centerville, Del Rey, Dunlap, Easton, El Porvenir, Five Points, Friant, Helm, Lakeshore (Huntington Lake), Lanare, Laton, Malaga, Minkler, Miramonte, Monmouth, O'Neill, Piedra, Pinehurst, Prather, Raisin City, Riverdale,  Rolinda, Shaver Lake, Tollhouse, Tranquillity, Wheatville

Click here for a map of the Fresno Metropolitan Area
***Ineligible Areas are in White on the Fresno Metropolitan Map***

Income Limits

Income eligibility for programs is set by the U.S. Department of Housing and Urban Development each year, and is determined by household size and income for all household members.

 2025 Maximum Annual Gross Income for the Household
 Effective June 1, 2025
Household Size Maximum Annual Gross Income*
A household includes everyone** who lives in the home Total income of all household members must not exceed 80% Area Median Income (AMI) as defined by HUD
 1  $52,600
 2  $60,100
 3  $67,600
 4  $75,100
 5  $81,150
 6  $87,150
 7  $93,150
 8  $99,150


* Certain income categories are excluded; some deductions and allowances apply. Must include income from all adults living in the home before deductions for taxes, etc. Eligibility for most programs based on 80% limit. Currently no programs use the 100% or 120% limits.

** With a few rare exceptions. Household members temporarily absent are also included.

    

Programs for Homeowners

Owner-Occupied Rehabilitation Program (OORP)

Provides loans to eligible low- and moderate-income homeowners to rehabilitate their affordable homes in the Eligible Fresno County Areas, to address code deficiencies and minor to moderate repairs critical to the occupants’ health and safety. Loans are currently zero interest with affordable monthly payments based upon the family's income. The balance of the loan is due upon change of title or non-occupancy by the borrower.

For more information and qualifications, please visit OORP Criteria

 

Utility Connection Program (UCP)

Provides loans to eligible low- and moderate-income homeowners and housing owners with low/mod income tenants to connect a home with a well and septic system to a existing municipal sewer/water system. Rents must meet affordability requirements. Permit fees are paid by the County with the loan providing for the connection construction cost. Loans are zero to 3% interest depending on income eligibility, with affordable monthly payments. The balance of the loan is due upon change of title or non-occupancy by the borrower. 

To inquire about the Utility Connection Program (UCP), please contact Community Development at (559) 600-4292

Programs for Potential Homebuyers

Due to Federal Income Limits for HOME program funds and the high cost of home ownership in our area, the County of Fresno’s down payment assistance program is currently suspended. The County is exploring alternative funding sources for down payment assistance.

The City of Fresno may operate a separate mortgage assistance program. For inquiries about the City’s program, please contact the City of Fresno at 3-1-1.

Programs for Landlords

Rental Rehabilitation Program (RRP)

Provides loans to eligible rental housing owners with low/mod income tenants, to rehabilitate affordable rental units in the unincorporated area and partner cities, to bring the rental units up to current building code health and safety standards. Loans are zero interest and amortized over 20-30 years (with a balloon payment at 20 years), based upon the income of the rental housing owner and the case flow of the rental project. The balance of the loan is due upon change of title.

Informational Brochure / Folleto Informacional(PDF, 255KB)
This program is currently being updated. Please contact Community Development at (559) 600-4292

 

Programs for Developers

Affordable Housing Development Program (AHDP)

Provides gap-financing loans to Community Housing Development Organizations (CHDOs), non-profit developers, and for-profit developers to construct new affordable housing, including both multi-family low-income rental housing projects and single-family housing projects developed for low-income owner occupancy. Rent limitations and sales price limits apply. Location restrictions apply. Regulatory restrictions apply for 20+ to 55+ years. May also be used to substantially rehabilitate existing affordable rental housing projects. Currently, all funds for substantial rental rehabilitation funds are reserved. Click here for more information.

For additional information, please contact the Community Development Division at:
Phone - (559) 600-4292 | Fax - (559) 600-4573 | Email: ComDev@fresnocountyca.gov

Community Development office is located on the 8th Floor of the Fresno County Plaza
2220 Tulare Street (South/West corner of Tulare and "M" streets) in Fresno, CA
Office hours 8:00 am - 5:00 pm (closed 12:00 pm - 1:00 pm)

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