Interested in additional monthly income by adding a rental unit to your property?

The City of Pomona's ADU/JADU Loan Program is a new affordable housing initiative that incentivizes homeowners to create an affordable rental unit on their property. The program offers homeowners a loan for the construction of a new Accessory Dwelling Unit (ADU) or conversion of existing structures in the City of Pomona.  Specifically the program provides homeowners financial assistance to build an ADU through new construction or garage conversion.  Assistance is also available to rehabilitate and bring up to code an existing unpermitted “granny flat” or illegal garage conversion.

• Program requirements:Borrower must be low-to-moderate income (for example, if you are a four-person household, your income cannot exceed $95,300)
• Borrower must be the occupant and owner of the property.

* HCD Income Guidelines effective June 6, 2023

The window to submit an application for the 2nd Unit ADU program is closed. It will re-open as soon as funds are made available. 

Esta interesado en ingreso adicional agregando una unidad de alquiler

en su propiedad?  

 El Program de Prestamos ADU/JADU de la Ciudad de Pomona es una nueva iniciativa de de vivienda asequible que incentiva a los propietrarios a crear una unidad de alquiler asequible en su propiedad. El programa ofrece a los propietratiosde viviendas un prestamo para la para la construccion de una nueva unidad de vivienda o la conversion de estructuras existentes. Especificamente, el programa brinda asistencia financiera a los propietrarios de viviendas para la construccion o conversion de cochera. Tambien hay asistencia disponible para rehabilitar y actualizar una "unidad" existente sin permison o una cochera ilegal. 

• El prestatario debe tener un ingreso bajo a moderado (por ejemplo, si usted es un hogar de cuatro personas, su ingreso no puede exceder los $95,300)
• El prestatario debe ser el ocupante y dueno de la propiedad

* HCD Income Guidelines effective June 6, 2023

La ventana para presentar una solicitud para el programa ADU de la 2ª Unidad está cerrada. Se reabrirá tan pronto como se disponga de fondos.

The City of Pomona Housing Division offers CHDO assistance to eligible nonprofit developers for activities such as:

• Acquisition and/or rehabilitation of ownership and rental housing
• New construction of ownership and rental housing

Minimum Requirements

• Eligible CHDOs must be a Not-for-profit corporation with 501 ©(3) or 501 © (4) status designation
• Located within a service area which has included Pomona for at least one year
• Capable of engaging in the development of affordable housing

How Do I Apply

Interested applicants may obtain a CHDO application/ certification checklist from the Housing Division.

This program assists first time home buyers and encourages the development of affordable housing for low to moderate income residents. 

The First Time Home-buyer Program (FTHB) is a deferred loan program that provides eligible families with gap financing to secure financing for the purchase of a single-family home or condominium in Pomona

FTHB assistance is up to $100,000 for income eligible households with a second trust deed (silent second)

• FTHB Program Brochure
• Draft - Permanent Local Housing Allocation Program (not yet available)

Who is eligible?

The Homebuyer may not have had ownership interest in a residential property within the past three (3) years. The Homebuyer's household gross income cannot be more than the following current income limits per year:

HOME Low-Income Limits**

** Subject to change without notice.

Success Stories

The City of Pomona continues to help individuals and families achieve the dream of becoming homeowners. The testimonials below are from a few proud City of Pomona homeowners who received First Time Home-buyer Program (FTHB).

• The Gonzales Family
• Ms. Perry
• Mr. Cota
• Ms. Vasquez
• Sheff Family
• Ms. Johnson

Housing Resources

• HUD's Official Web Site
• How to Buy A Foreclosed Home from HUD?
• To Look for A For-Sale Home.
• I Already Own A Home And I Have Questions on…
• How to Obtain Help If I'm Losing My Home?
• How Do I Avoid A Foreclosed?
• Common Questions from First-time Home-buyers

Are you a lender? Contact our office at 909-620-2368 to learn more.

What is the Lead Education Awareness Control & Healthy Home (LEAC + HH) program? 

The LEAC + HH Program is funded by the Department of Housing and Urban Development [HUD], Office of Lead Hazard Control and Healthy Homes. The LEAC Program component provides FREE lead testing and lead reduction to help prevent lead poisoning in homes that may contain lead-based paint hazard. The Healthy Home Program Component will only be provided to properties approved for LEAC assistance. This provides additional funding of up to $5,000 per unity to address other housing hazards. 

What Types of Properties Are Eligible?

Lead grants are available for income qualifying families living in a property built prior to January 1, 1978. The home may be a single-family residential unit or a multi-family unit. First priority will be given to families with children under the age of 6 years old or a pregnant woman.

Family Income Limits?

Owner-occupants and tenants in rental units must provide proof of income at or below 80% of the area median income [AMI] limits as defined by HUD income limits, as of July 1, 2020.

Program Highlights

• Lead funds are 100% granted with no lien against the property and no payback.
• Windows/doors repair or replacement, and interior or exterior painting may qualify, if lead based paint hazards are found in your home. For Healthy Homes, installation of smoke and carbon dioxide detectors, installation of heater safety straps or replacement of water heater may qualify.
• Families with children under six years are strongly encouraged to have their child tested for an Elevated Blood Lead Level [EBL], if the home does test positive for lead-based paint.

All LEAC approved applications are subject to funding availability first-come, first-serve basis.

How to Apply for Free Lead Assistance?

Applications may be picked up at the City of Pomona Housing Division Counter in City Hall, 1st Floor, or by contacting the Housing Division at 909-620-3761. If a Rental unit, the application must be submitted by the owner of the property.

Applications may be downloaded by clicking below:

• Program Applications
  • Owner-Occupied Application  OR
  • Property Owner Application    &   Tenant-Occupied Application
• Protect Your Family From Lead Brochure
• Renovate Right Brochure
• Lead Based Paint Housing Registry

This is a list of housing units that were lead-safe at the date indicated.

City of Pomona makes no warranties as to the current condition of the property. Owners, Tenants, or others may have created lead hazards since the lead evaluation date.

• Frequently Asked Questions - Spanish
• Frequently Asked Questions - English

What is lead poisoning?

Lead poisoning is still the number one environmental health threat to children under the age of six. Deteriorated lead-base paint which is "chipping or peeling" is the leading cause of lead poisoning within communities. Most children are poisoned through continuous, low-level exposures, which can cause many development problems including reduced IQ, hyperactivity, impaired growth, learning disabilities and behavior problems.

How can I Get the Lead Out of My Home?

The "LEAC Program" is an effort to help reduce lead poisoning in homes where children under the age of six live. If you are eligible, you may qualify to have your home rehabilitated to reduce and/or eliminate lead-based paint health hazards-at no cost to you.

How Do I Know if My Family Is In Danger?

If your home was built before 1978, it is presumed by State Law to be a lead hazard, until it is tested by a Lead Certified Contractor. Older homes are even more likely to have lead-based paint and lead-based paint hazard conditions. Most children with lead poisoning may have learning, growth, and behavior problems, although they may not look or act sick. The only way to know if your children have lead poisoning is to have them take a simple blood test. All children under six years of age should receive a lead blood test by age two [2] from their primary care doctor.

How Do I Qualify

You may be eligible if:

• Your home was built before 1978
• You have children under the age of six or a pregnant woman living in or frequently visiting your home
• Your family is low income, as defined by HUD income limits
• You have rental property occupied by low-income tenants
• The painted surfaces of your home are chipping or peeling and are found to be a lead based paint hazard

How Can the Program Make My Home Safe from Lead-Based Paint Hazards?

The "LEAC Program" will test your home for lead hazards and will provide work to help make your home "lead safe" this work may include:

• Performing a complete lead dust clean-up using a special vacuum cleaner, or
• Repairing and/or removing any parts of your home that have lead-based paint, such as windowsills, frames, doors and repairing or replacing them, or
• Placing a solid barrier over all lead-based paint surfaces, so that no one can reach them, or
• Removing damaged lead-based paint and repainting with a "non-lead-based paint"

All services are on a "first-come, first serve" basis subject to funding availability.

You may contact Pomona Housing at 909-620-2368 for more information.

Additional Resources

For More Information Call:

• 1-800-LA- 4 - LEAD
  Los Angeles County Department of Health Services Childhood Lead Poisoning Prevention Program

• National Lead Information Centers Call 1-800-424- LEAD
  www.epa.gov/lead
  www.hud.gov/offices/lead/

The City of Pomona is offering no-interest loans to property owners with 11 or less  housing units. The loans will be used to rehabilitate rental units leased by low-income households to bring rental units up to local codes and standards. Inspections must be conducted to determine what work needs to be done. Property owners must agree to: a) rent rehabilitated units to low income households for a period of ten (10) years and b) rents must be at rates affordable to low-income families.  These rates are set by HUD annually.

Loan Terms:  The loan amount is $30,000 per unit. This is a deferred loan with 0% interest. 1/20^th of the loan will be forgiven starting year 6 and every year thereafter, until 100% of the loan forgiven at year 10. However, if the borrower fails to comply with the loan requirements or sells the property prior to the end of the 10-year period, a 3% default rate shall be charged on the principal balance.

Eligible improvements include:

• Exterior/Interior Painting
• Roof Repair/Replacement
• Modifications to Improve Accessibility
• Lead, Mold and asbestos Removal

*other restrictions apply.

Inquiries can be made via email at: rentalrehabprogram@pomonaca.gov 

The Substantial Rehabilitation Loan Program is a deferred loan up to $75,000 and bears a 2% interest rate. Repayment of the loan is due at the time of title change, resale, refinance with cash out, or non compliance with the program requirements. (Depending on funding source, some loans must be repaid at the end of thirty (30) years from the date of execution of the loan documents). These loans are NOT a conventional equity loan or equity line of credit. Funding must be used to correct code violations or deferred maintenance which may cause code violations in the near future.

Eligibility Requirements

The requirements that must be met are as follows:

1. The property must be a single family detached home and owner-occupied as a principal residence
2. The annual household income for participation in the HOME programs or CalHome must not exceed the income limits listed below:

3. The property must have equity available to borrow against.
4. The property must not be encumbered beyond a second trust deed.
5. The lien encumbrances consisting of the agency trust deed on the subject property after the proposed work must not exceed 85% of the after rehab estimated value.
6. The value of a HOME assisted property, after rehabilitation, must not exceed 95% of the median purchase price for the area, as published by HUD on an annual basis.
7. The property taxes must be current.
8. The property must have hazard insurance and if applicable, flood plain insurance.
9. Existing mortgage payments on the property must be current.

Property Standards

1. The rehabilitation project must meet all applicable state and local codes, ordinances, and zoning ordinances.
2. The rehab project must meet the Housing Program Rehabilitation Standards Specifications.
3. If any code corrections are identified during the housing inspection, the owner must agree to address these first before any incipient repairs or general improvements are approved.

Eligible Rehabilitation Costs

Eligible Hard Costs include:

• Correction of Building/Housing code violations (roof, plumbing, heating, electrical)
• Repair or replacement of major housing systems
• Incipient repairs; code items that may require repair or replacing in one or two years
• Modifications for handicapped person
• Energy related improvement e.g. dual glazed windows
• Utility connections
• Removal of lead based paint
• Removal of asbestos
• Termite control

Eligible Soft Costs include:

• Preliminary title report
• Recording fees
• Re-conveyance fees
• Termite/pest control report
• Title insurance policy
• Relocation cost (temporary)
• Building permits
• Lead hazard abatement/testing

Ineligible Rehabilitation Costs

• Swimming pools and spas
• Assistance with other financing or other debts or charges on property
• Barbecues
• Greenhouses
• Garage conversions
• Other luxury improvements

How Do I Apply?

The Housing Department is currently accepting Preliminary Applications for the Substantial Rehabilitation Loan Program.

Preliminary Applications are available at the Housing Counter or click on link below to print preliminary application. To request a Preliminary Application be mailed to you, please call the Housing Department at 909-620-2368.

Substantial Rehabilitation Loan Program Preliminary Application

Who Determines if I Am Eligible?

1. Homeowners must meet income limits, have equity available, and are requesting eligible home improvements.
2. Once your preliminary qualify, an application packet is mailed to you requesting its completion and the submittal of required accompanying documents.
3. Upon receipt of the application by mail or in person, the application will be reviewed. Pre-approval is determined based upon owner and property eligibility.
4. The homeowner is advised in writing of the pre-approval.

HUD Website: Housing Improvement Program

Manufactured Housing Rehabilitation Program

The City of Pomona's Cal-Home Manufactured Housing Rehab Loan Program provides loans up to $25,000 for improvements to owner-occupied units throughout approved parks in Pomona. The purpose of the program is to impact park communities with exterior and interior repairs to qualified manufactured housing units. Cal-Home Manufactured Housing Rehab Loans can be forgiven after the term of the agreement has been reached. Contact Housing staff for additional details.

Eligibility Requirements

The requirements that must be met are as follows:

• The property must be owner-occupied as a principal residence
• Located in a park that has been selected to participate in the program based on an appropriated park rating
• The annual household income must not exceed the income limits below:

How Do I Apply?

Preliminary Applications are available at the Housing Counter or click on link below to print preliminary application. To request a Preliminary Application be mailed to you, please call the Housing Department at 909-620-2368. Please verify that the park you live in is a designated park. List is on preliminary application.

Manufactured Housing Rehabilitation Loan Program Preliminary Application

What is the Keeping Pomona Homes Healthy (KPHH) Program? 

The City of Pomona is now accepting applications for the Keeping Pomona Homes Healthy Program. KPHH aims to assess and address household hazards such as mold, lead, allergens, carbon monoxide, and more. Maximum assistance per home is $6,900.

What are the benefits of the program?

• Safer and healthier household
• Prevents injuries and diseases
• Lower health care costs
• Increased school and work performance

What type of repairs and imprevoments does the grant cover?

• Bath exhaust fans
• Water heater
• Carbon monoxide and smoke detectors
• Water heater safety straps and drain lines
• Shower/ faucet valves replacement
• And possibly more

How Do I Qualify?

You may be eligible if:

• Child 18 years and under, or adult 62 years and over,
  or a disabled person, must reside in the property
• Household income is 80% and below of the LA
  County area median income

Family Income Limits?

Owner-occupants and tenants in rental units must provide proof of income at or below 80% of the area median income [AMI] limits as defined by HUD income limits, as of May 2023.

All services are on a "first-come, first serve" basis subject to funding availability.

You may contact Pomona Housing at 909-620-2368 for more information.