Neighborhood Preservation Program (NPP)

Overview
The purpose of the Neighborhood Preservation Program (NPP) is to eliminate conditions that may be detrimental to health, life, property, and/or public welfare. The program is designed to assist in the maintenance of viable communities by eliminating blight, bringing buildings up to code, improving energy efficiency, promoting accessibility, and enhancing older neighborhoods in an effort to encourage future investment and the growth of economically integrated communities.

To achieve these goals, Contra Costa County has developed a financial assistance program that provides low-interest loans, up to $70,000, to low-income homeowners. Income thresholds are determined by Contra Costa County’s area median income (AMI). In some cases, grants are provided to households that do not meet the minimum loan eligibility requirements, or require emergency repair work.

Housing rehabilitation loans and grants are available throughout the entire County of Contra Costa, except for the incorporated limits of the cities of Concord and Richmond. Furthermore, the incorporated limits of the cities of Antioch, Pittsburg, and Walnut Creek each have differing financial limitations.

Program Documents and Application







Loan Terms

Eligible applicants, may receive one of the following loans, based on their income-level, among other factors
  • 1% simple interest, amortized loan, up to $70,000
  • 1% simple interest, deferred loan, up to $70,000
*Grants, up to $15,000 may be provided to applicants that do not meet the minimum loan eligibility requirements and/or require emergency repair work
  1. Eligibility
  2. Type of Work Completed
  3. Program Benefits
  4. Benefit for Seniors
Neighborhood Preservation Requirements
  • You much have a gross income which does not exceed the program limits below;
 Household Size  Income Not to Exceed
 1  $50,510
 2  $57,300
 3  $64,450
 4  $71,600
 5  $77,350
 6  $81,700
 7  $83,850
 8  $89,250
  • You are owner-occupant of a single-family home, duplex, or stationary mobile home;
  • You have owned and occupied the property for at least six months prior to applying (and will occupy the rehabilitated home, as your principal place of residence, for the life of the loan);
  • Your house must have some housing code problems that needs repair;
  • Your assets (excluding your principal residence) must not exceed $50,000. The asset limit is $100,000 if you are over 62 or disabled. Assets include bank accounts, stocks, or real estate interests; and
  • The indebtedness on your home (after our loan is provided) does not exceed 90% of its appraised value.