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Affordable Housing

The City is a Participating Jurisdiction, who receives federal funds directly from the U. S. Department of Housing and Urban Development (HUD) and looks for opportunities to apply for State grants related to affordable housing.  The City of Visalia strives to provide safe, decent and affordable housing to a range of income owner-occupants, renters, senior citizens and disabled persons.  The City’s proposed goals and objectives are presented in the federally-mandated Consolidated Plan and Annual Action Plan.  

Visalia’s programs provide financial incentives for the creation and preservation of affordable housing to low –income homebuyers and current homeowners.  Programs include the following with a Summary PDF attached:

UPDATED*** CalHome Reuse First Time Homebuyers Program 
The City of Visalia has limited “Gap Financing” available for First Time Homebuyers. CalHome Reuse funds are allocated to assist very-low to low income households to purchase a home within the city limits of the City of Visalia. These funds will provide the eligible borrower with a 30-year term second mortgage loan at 1% simple interest.  Please note that Maximum Loan amount, down payment requirement, annual interest and purchase prices have changed.  Interested individuals can access the Program Policies here and the Fact Sheet here Realtors & Lenders who would like to ‘certify’ for the program, please click here. Self Help Enterprises is the Administrator for this program.  Additional information about self Help can be found at

Self-Help Enterprises, Inc., (SHE-CHDO) Acquisition/Rehabilitation Programs
The City of Visalia has been working with Self Help Enterprises (SHE), Inc. as a 501 C non-profit certified Community Housing Development Organization (CHDO) in utilizing HOME–CHDO funding to acquire existing single and multi-family properties in Visalia.  Contact Self Help Enterprises to inquire about available homes to purchase and availability of rental units in their Visalia multi-family projects. You may contact Self Help Enterprises staff at (559) 651-1000, or view their website under “Homes for Sale”:

The  Multi-family Rental and Homeownership Development guide was written to assist staff with reviewing and underwriting projects, evaluating the development and fiscal capacity of developers and ensuring that there is adequate need for projects based on neighborhood market conditions.  The Guide includes, but is not limited to resources related to eligible uses of HOME funds, HOME requirements, project underwriting, examining market conditions, and what documentation is required from a Developer.

Projects and Programs are developed and approved by City Council through the Consolidated Plan and Annual Action Plan process. Before committing funds to a project, the City will evaluate the project in accordance with HOME regulations and guidelines that it has adopted for this purpose and will not invest any additional HOME funds, in combination with other governmental assistance, than is necessary to provide affordable housing.  It is the intent to work with local developers and non-profit agencies, including the City’s certified CHDO in providing affordable rental and homeownership housing for Visalia residents.

These programs enables the City to revitalize neighborhoods, rehabilitate foreclosed homes, employ local contractors, and resell homes to pre-qualified buyers with fixed rate mortgages.  

We welcome your questions on these programs so please contact Rhonda Haynes, Housing Specialist, at (559) 713-4460 or email at  We look forward to assisting you in the purchase of one of our homes.

City of Visalia Charter

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