Housing Development

Construction of apartment building
apartment
Groundbreaking of single family homes
Framework of houses
Construction of houses

The programs below are to increase the supply of new 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 Island areas within the City of Fresno: 
  • Bullard
  • Calwa
  • Easterby
  • Fig Garden
  • Mayfair
  • Tarpey Village
  • Sunnyside
  • West Fresno

Unincorporated areas consist of the following communities and towns:

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

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.

 2024 Maximum Annual Gross Income for the Household
 Effective April 1, 2024
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  $49,250
 2  $56,250
 3  $63,300
 4  $70,300
 5  $75,950
 6  $81,550
 7  $87,200
 8  $92,800


* 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

Housing Assistance Rehabilitation Program (HARP)

Provides loans to eligible low- and moderate-income homeowners to rehabilitate their affordable homes in the unincorporated area and partner cities, to bring the homes up to current building code health and safety standards. 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.

Informational Brochure / Folleto Informacional

For more information and qualifications, please visit HARP 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.

Informational Brochure / Folleto Informacional

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

Programs for Potential Homebuyers

Homebuyer Assistance Program (HAP)

Provides homebuyer down payment and mortgage assistance loans to enable eligible low- and moderate-income families to purchase their first home in the unincorporated area and partner cities. Homes to be purchased must meet current building code health and safety standards. Loans are zero interest with payments deferred for 30 years or until the primary mortgage is fully paid, whichever occurs first. The balance of the loan is due upon change of title or non-occupancy by the borrower. NOTE: This is a loan for a home that is already built, not for new construction of a home. 

If you are interested in down payment assistance, the first step is to connect with one of the lenders on our approved list below.

List of Approved Lenders(PDF, 192KB)

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)

Programs for Developers

Affordable Housing Development Program (AHDP)

Provides gap-financing loans to non-profit organizations and other eligible developers to construct new affordable housing, including both multi-family rental housing projects and single-family owner-occupied housing projects. May also be used to substantially rehabilitate existing affordable housing projects.

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)

Free viewers are required for some of the attached documents.
They can be downloaded by clicking on the icons below.

Download Acrobat Readerwmp.jpgword.jpgexcel.jpgpowerpoint.jpg
Back to top