Housing Rehabilitation Programs

The Lending Division oversees various housing rehabilitation programs that offer low- to moderate- income households funding for essential repairs to both owner occupied and investor owned properties. Each program has its own guidelines and approval criteria that must be met in order to receive assistance, please refer to the descriptions below. 

Rehabilitation/Emergency Repair/Physical Accessibility/Hazard Reduction Income Limit Chart 

If the household income exceeds 80% per household size the application is considered over income

CD-Lending Income Limits effective 6-15-22

All programs require an application to be completed through the Lending Division’s online program

Home rehabilitation 

The Home Rehabilitation program focuses on bringing substandard properties up to the minimum housing code (as funding allows) to address unsafe conditions and code violations. 

Program at a glance: 

  • Focuses on Major Systems Repairs not to exceed a total of $65,000.00
    • Roofing and gutters
    • Electrical
    • Plumbing and Water Heaters
    • Heating, Ventilation, and Air Conditioning (HVAC)
    • Structural/flooring

Picture 2 BeforePicture 2 After - Completed 2018

Emergency Repairs 

The Emergency Repair Program remedies housing conditions which pose an imminent threat to the integrity of the structure or to the occupant’s health and/or safety. 

Program at a glance: 

  • One repair not to exceed $15,000.00 to a major system listed below 
    • Roofing and gutters
    • Electrical
    • Plumbing and Water Heaters
    • Heating, Ventilation, and Air Conditioning (HVAC)
    • Structural/flooring


Picture 3 Before

Picture 3 After - Completed 2016

Architectural Barrier Removal 

Citywide financial assistance is also available to remove architectural barriers to improve the mobility and accessibility of handicapped persons in their home.

Program at a glance: 

  • Funding provided to make an owner occupied residence handicap accessible not to exceed $15,000.00
    • Owner occupied and investor owned properties
    • Households (home owner or tenant occupied) must income qualify at or below 80% AMI (see chart above)
    • Income based loan terms, interest rates between 0-2% for owner occupied and 0-6% for investor owned properties 
    • Repairs are to address architectural barriers only
    • Applications are accepted throughout the year

Hazard reduction (lead abatement)

In tandem with Home Rehabilitation, the Hazard Reduction program address lead hazard concerns in homes built prior to 1978.


Interested applicants may call CityLink at 336-727-8000 for more information