CalHome Loans: Deferred Payment, Low-Interest Loans for Wildfire Survivors to Repair and Rebuild


Was your home damaged or destroyed by the Thomas or Woolsey fire?

In partnership with the State of California Housing and Community Development Department (HCD), Habitat for Humanity of Ventura County can provide deferred payment loans to Ventura County homeowners whose homes were damaged or destroyed in the 2017 or 2018 Thomas or Woolsey wildfires.






  • Construction or repair of an Accessory Dwelling Unit (ADU) or Junior Accessory Dwelling Unit (JADU)

  • Accessibility modifications (wheelchair ramps, widened doorways, grab bars, roll in showers, etc.)

  • Home-hardening and other resiliency measures to reduce damage from future disasters

  • Reconstruction or repairs to an existing home




  • Up to $150,000 in loans per household

  • No payments required during 30-year term

  • 3% interest, forgiven over the term of the loan

  • Applicants must be at or below the moderate-income level (see chart below)

  • The structure must have been damaged or destroyed due to either of the following disasters: DR-4344 (Thomas Fire), DR-4407 (Woolsey Fire)





Additional loan requirements may apply. For more information, contact Katie Norris, Director of Development & Communications, at (805) 485-6065 x 109 or