Wondering if Iowa is a great place to live in? Well, that depends on what you are looking for. If you are looking for a place with a low cost of living, low crime rates, and quality education, then Iowa is the best option. Becoming a homeowner is also something you can easily achieve. Plus, there are programs and services to help you repair and improve the condition of your home. Keep reading for more on home repair grants in Iowa.
SIMPCO and WICIRHTF provide Owner-Occupied Housing Repair Programs to help moderate- and low-income single moms, veterans, disabled and the senior homeowners meet their home repair needs. The programs are available to the residents of Ida, Plymouth, Woodbury, Monona, and Cherokee counties of Iowa. The programs aim to help homeowners maintain decent, healthy, and livable housing conditions. The programs operate on a funds availability basis. They work to complete home repairs that contribute to the maintenance of the integrity of Iowa homes in the service areas. Eligible home repairs include roofing, electrical work, plumbing, foundation, painting, windows replacement, siding, handicapped accessibility, and other necessary home repairs that improving the safety and health of homeowners and their families. You have to complete a waitlist registration to apply for the programs’ assistance.
Home Repair Grants for Marcus Iowa Residents
The City of Marcus provides a maximum of $12,050 grant funding to Iowa homeowners living in Marcus City to enable them to make the necessary homeowners. Your income must not exceed 80% of the area’s median income. You qualify for forgivable funding with $0 payment and 0% interest if you stay in the home for 5 years. Click here to apply for the program assistance.
Homeward’s Trust Fund Grants and Loans
Homeward provides housing grants and loans to homeowners in Calhoun, Hancock, Humboldt, Franklin, Worth, Winnebago, Wright, Kossuth, Pocahontas, Palo Alto, and Mitchell Counties in Iowa. Who is eligible for the Trust Fund Support? Your income must not exceed 30% of the area’s median income to qualify for grants for minor home repairs. For the Fund’s loans and grants programs, your income must exceed 80% of the area’s median income to be eligible for assistance. Please note that income guidelines vary from one county to another. Click here to have a look. What types of grants and loans can you receive from the Trust Fund? The Trust Fund provides up to $5,000 grants for minor home repairs to families below the poverty line. Eligible repairs include plumbing, energy-efficiency improvements, electrical work, windows, roofing, and handicapped accessibility. You must own and occupy the home. Apply here. The program also provides home improvements loans and grants. The maximum funds you can receive here is $7,000; 50/50 for grants and loans. Loans have 5 years term at 4% interest rates. You may also qualify for 5% interest loans and repay them after 10 years. Eligible home improvements include siding, cooling systems, windows, roofing, kitchen, bathroom, and water heaters. Learn more at http://www.homewardiowa.com/content/trust-fund-grants-loans.
Heart of Iowa Habitat for Humanity
The Habitat’s Helping Hands Home Repair program works closely with low- and moderate-income homeowners to have their urgent home repair needs to be met. Eligible home repairs include plumbing, painting, siding, property clean-up, gutter and downspouts, roofing, general carpentry, and landscaping. The program provides repayable loans that cover the cost of materials for repair and subcontracted services. Applicants have to repay the loans to enable them to fund their future projects. The loans have a 0% interest rate and are payable every month. Payment ranges between $50 and $100. To qualify, you have to provide proof of ownership and occupation of the home. Renters and landlords do not qualify for the Helping Hand’s support. You must need exterior home repair and maintenance, have homeowners’ insurance, be up to date with property taxes, demonstrate that you can repay the funds, and meet the low and moderate-income limits. Single moms, veteran, disabled, and the elderly homeowners can qualify for the program assistance. Visit https://www.heartofiowahabitat.org/home-repair for more information.
Iowa City Housing Rehab
Iowa City runs housing rehabilitation programs that provide no-interest loans and grants to homeowners to enable them to make home repairs. The city comprises of Neighborhood Services staff to support with home inspections, specifying home repairs and work plans. The staff can also help you with how to obtain bids from contractors. Types of rehabilitations eligible for support include improvement of efficiency, emergency repair assistance, exterior repair, manufactured home repair, and residential accessibility. Iowa City’s Healthy Homes Program provides up to $7,500 grants for repair and replacement. Projects eligible through this program include plumbing repair to stop moisture damage, replacing or providing an additional air condition to control moisture. The program prioritizes families with kids under the age of 18 when providing assistance grants. Single mothers, disabled, veterans, and the elderly may apply for the program assistance. For more details, please visit https://www.icgov.org/city-government/departments-and-divisions/neighborhood-and-development-services/neighborhood-9.
Iowa’s Economic Development Division
You can access home repair assistance services through Iowa’s Economic Development Division. The Division runs loans and grants programs to help you with your home repair costs. Ensure you meet the low-income limits in your area to qualify for home repair support. Find out more at https://www.benefits.va.gov/homeloans/contact_rlc_info.asp.