Housing Rehabilitation Program

The Housing Rehabilitation Program offers affordable loans for home repairs.

This a federally funded program administered by the Community Development Department. 

Assistance to qualified homeowners includes:
  • Help determining what repairs are needed
  • Help selecting a contractor and getting a fair price
  • Help to ensure the repairs are complete and of good quality

You may be eligible for financial assistance if you:

  • Meet program income qualifications (under 80% of AMI)
  • Have clear title to your home
  • Have paid all property taxes and City fines
  • Have owned and lived in your home for at least the past 12 months before applying
  • Have fire and hazard insurance on your home


Want to apply for housing rehabilitation assistance? Click below to fill out the Housing Rehabilitation Program.

Apply for the Program

Informational Pamphlet

Download and read the U.S. Environmental Protection Agency pamphlet on lead hazards. To receive the pamphlet in other languages, contact the Housing Rehabilitation Division.

Download the Pamphlet

English(PDF, 310KB) | Español(PDF, 1MB)

Submit the Form

Once you complete this form, please mail or hand deliver to this address:

Community Development Department 
Housing Rehabilitation Division
300 Monroe Avenue NW, Suite 440
Grand Rapids, MI  49503
If you meet program requirements, you may be eligible for a loan for home repairs between $1,000 and $24,000. Have you received more than one loan for home repairs through this program? If so, all of the loans you have received must total less than $24,000 to receive more assistance.

Assistance is provided as a matching loan. Up to 50% of the loan may be forgiven if all payments are made on time. Other grants and loans may also be available. The homeowner's ability to repay the loan is also a factor in determining the amount of the loan.
Some of the repairs that can be made using financial assistance through the Housing Rehabilitation Program include:

  • Repairs or upgrades to improve energy efficiency
  • Emergency repairs, such as roof or furnace replacement 
  • Exterior repairs like new siding, new windows, and porch repairs or replacement
  • Repairs to items that effect the homeowner's health and safety
  • Repairs to make the home accessible for people with disabilities
  • Treatment of lead-based paint or asbestos hazards

Repairs that cannot be made include:
  • Repairs related to fire/smoke damage
  • Purchase of  new appliances or tools
  • New construction
  • Luxury improvements

After your loan is approved, Housing Rehabilitation Division staff will perform an inspection. This is to identify repairs needed.  You will receive:

  • Information about eligible work at your home
  • Assistance managing the construction contract
  • Several inspections throughout the process to ensure you are receiving quality repairs