CDBG Homeowner Rehab Program

The HOME Consortium operates a loan program using CDBG funds for Waukesha County residents only, which provides low to moderate income households with access to funds for modest home repairs.
The loan is provided as a no-interest deferred loan of up to a maximum of $10,000 for households with incomes at or below 80% of the area median. There are no monthly payments, and the entire loan is due upon sale of the home.
Eligibility
  • Eligible Properties: The homes must be owner-occupied, single family attached or detached units (such as condominiums). Unlike the HOME Program Homeowner Rehabilitation Deferred Loan program, there is no limit on the after-rehab value of the home.
  • Eligible Repairs: Priority activities include repairs to mechanical or structural items that present an imminent health and safety problem, such as:

– roofs
– mechanical systems (e.g., furnaces and hot water heaters)
– plumbing, water or water/sewer laterals in disrepair
– windows in disrepair
– foundations
– siding
– improvements to the interior of the home in bathrooms and kitchens
– any accessibility improvements

Once repairs have been completed, all homes must meet HOME Consortium Code Requirements or additional work will be required.

Procedure

  • Contact WPHD staff to obtain application and determine eligibility
  • Schedule a home inspection where our inspector completes a Scope of Work detailing necessary repairs to meet code and other improvements
  • Homeowner gets bids from contractors
  • Loan closing (this gets recorded as a lien on your property)
  • Contractor, homeowner and WPHD review owner/contractor agreement
  • Work begins on home
  • Funds are not released to pay contractors until the home passes the final inspection