The Home Repair Program is an interest free loan program to help income eligible families make necessary repairs and improvements to their homes. The loan is in the form of a mortgage on the home and the amount available is based on equity in the home.

Essential Repairs Program

If there is not sufficient equity in the home, up to $20,000.00 can be loaned for repairs to essential systems such as Electrical, Plumbing, Roof, and/or Heating and Air Conditioning.

Housing Rehabilitation Program

If there is sufficient equity in the home, up to $75,000.00 can be loaned for various repairs such as those available in the Essential Repairs Program, repairs to correct code violations or other repairs necessary to make the house safe and sanitary.

In both programs the homeowner may request repairs that will be made to the home and selects their own contractor(s). There are no monthly payments.          Instead, the homeowner repays the loan when the home is sold, transferred, refinanced, leased, assigned, the applicant no longer lives in the home or 30 years, whichever comes first. 

The value of the assisted property after rehabilitation will not exceed the maximum value for participation in the HOME or State Housing Initiatives Partnership (SHIP) program, depending on the funding source. These values are updated annually. 

• Income Limits
• Program Guidelines
• Rehabilitation Program Brochure – Online

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