HOME Homeowner Rehab Program

Homeowner Rehabilitation Deferred Loan Program

The HOME Consortium operates a loan program to provide 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 $15,000 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.


  • Eligible Properties: The homes must be owner-occupied, single family attached or detached units (such as condominiums).In addition, the value of the home cannot exceed HUD maximum after-rehab value limits, as outlined below.


Effective May 2, 2016

County Existing housing
Jefferson $169,000
Ozaukee $223,000
Washington $214,000
Waukesha $233,000


  • 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
– any accessibility improvements

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


  • Contact WPHD staff to obtain application and┬ádetermine 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