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Rehabilitation Loan & Emergency and Accessibility Loan Programs

The Rehabilitation Loan Program assists low income homeowners in financing basic home improvements that directly affect the safety, habitability, energy efficiency or accessibility of their homes.

Eligibility Requirements

  • Borrower meets the following income limits:
Household Size Income Limits
1 Person $17,300
2 Persons $19,800
3 Persons $22,250
4 Persons $24,700
5 Persons $26,700
6 Persons $28,700
7 Persons $30,650
8 Persons $32,600
  • Borrower does not have assets exceeding $25,000
  • Borrower owns and occupies the property to be rehabilitated
  • Borrower must be current on property taxes and any mortgages
  • Borrower must have homeowner insurance in force at time of loan closing

Program Features

  • Maximum loan amount is $27,000
  • Maximum loan term is 15 years for properties taxed as real property and 10 years for mobile/manufactured homes taxed as personal property located in a mobile home park
  • Loans are forgiven if the borrower does not sell, transfer title, or ceases to occupy the property during the loan term.
  • Various property types are eligible including, but not limited to, single family homes, duplexes, a condominium unit, and manufactured housing taxed as real or personal property

Eligible Home Improvements

  • Basic improvements that directly affect the safety, livability, or energy efficiency of the home
  • Addressing lead paint hazards
  • Electrical wiring
  • Furnace/boiler repair or replacement
  • Plumbing repairs
  • Well and septic repair or replacement
  • Radon mitigation
  • Mold remediation
  • Windows
  • Siding
  • Roof repair or replacement