Home Repair

The Home Repair Loan Program provides affordable loans to income-qualified homeowners to address critical health, safety, and structural issues. The program is designed for owner-occupied, single family homes with low- to moderate-income households.

The no- and low-interest loans are funded by local and federal programs that prioritize repairs that address health and safety concerns. Homeowners are given as much flexibility as possible, and our trusted staff will offer expert guidance throughout the process to ensure the work is done well, and on budget.

Eligible Repairs

The Home Repair Loan Program is designed to address immediate health, safety and structural deficiencies. Other improvements will be considered on a case by case basis. The following is a partial list of priority issues. Final determination of improvements will be made by OH staff.

  • Accessibility needs and modifications
  • Appliances, if existing ones are nonfunctional, inefficient or in very poor condition
  • Bathroom repair
  • Brick or masonry repair
  • Chimney repair
  • Door and window repair or replacement (if in poor condition)
  • Driveway or walkway repair
  • Electrical upgrades
  • Floor repair and covering
  • Foundation repair or replacement
  • Furnace/boiler repair or replacement
  • Gutter cleaning, repair, or replacement
  • Hazardous materials abatement
  • Hot water heater repair or replacement
  • Kitchen repair
  • Paint, interior and exterior
  • Plumbing repair
  • Porch repair or replacement
  • Retaining wall repair (for code violations, or if hazardous)
  • Roof repair or replacement
  • Sewer repair
  • Siding (if in poor condition)
  • Structural repair
  • Water line repair or replacement

Loan Terms

Loans through the Home Repair Loan Program start at $3,000. For households earning 50% of area median income or less, loans will have 0% interest. For households earning between 51% and 80% of area median income, loans will have 3% interest. Some borrowers may also qualify for a deferred loan that has no monthly payments.

Income Limits

Eligibility for the Home Repair Loan Program is based upon the number of household members and total household income. Income limits for 2015 are:

 50% area median income80% area median income
1 person $2,616 $3,841
2 person $2,987 $4,387
3 person $3,362 $4,937
4 person $3,733 $5,483
5 person $4,033 $5,925
6 person $4,333 $6,362