The program provides applicants with loans up to $70,000 and grants up to $15,000. The type of funding that you are offered depends on factors such as your current household income, housing expenses, and equity in your home. Funding for the program comes directly from the U.S. Department of Housing and Urban Development’s Community Development Block Grant (CDBG), and Contra Costa County acts as a steward. Once approved, the money is actually paid directly to your chosen contractor at set intervals as work progresses and is verified as complete. Grants do not need to be paid back, while loans become due in either 15 or 30 years. At the time that the loan matures, some borrowers with deferred loans may be eligible for an extension or have their loan converted to amortizing, depending on their income.