Santa Cruz County ADU Forgivable Loan Program

Housing Program

Santa Cruz County ADU Forgivable Loan Program

Program description
Forgivable loans for homeowners who create ADUs rented at affordable levels.
Maximum assistance
Up to $40,000
Repayment
No if program affordability terms are met

Program categories

Organization

Important considerations

The ADU must meet affordability and rental requirements for the full program period.

Eligibility & program information

Rank Math Internal Links Processed
1
Status
Active
Additional Info

Forgiveness is tied to maintaining affordable rent for up to 20 years under program terms.

State
California
Coverage Type
County Wide
Resources
California HCD ADU Funding Resources
Eligibility Requirements

Must meet County property, affordability, and rental requirements; ADU must be rented to an eligible low-income household.

Official Information

Visit the official website(s) for current eligibility, program details, and information on how to apply.

Information last updated August 27, 2026.