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Home Repair/Replacement Program

NOTICE: The Emergency Repair program is accepting applications as of 10/19/2012. Applications will processed on a first come, first served basis. Applications are available at the Housing Services office.

Lake County offers financial assistance for repairs to homes owned by extremely low, very low and low incomes persons utilizing State Housing Initiatives Partnership funds. The funds can be used for repairs, or rehabilitation or replacement of homes to ensure that they are decent, safe, and sanitary. Some eligible usages of funds include:

  • Weatherization activities
  • Home repairs, as well as necessary repairs to correct substantial code violations
  • Repairs and alterations in order to improve health, safety and well being of the occupants
  • Repairs to contribute to the structural integrity and preservation of homes
  • Demolition and replacement housing (in some instances)

Home owners wishing to participate in the Home Repair programs must have income less than listed in the table below based upon family size.

Household Size
Number of Persons

Very Low Income
>50% of Area Median Income

Low Income
>80% Area Median Income

1

$20,400

$32,600

2

$23,300

$37,250

3

$26,200

$41,900

4

$29,100

$46,550

5

$31,450

$50,300

6

$33,800

$54,000

7

$36,100

$57,750

8

$38,450

$61,450

*Effective 12/14/2011
*Subject to periodic updating per U.S. Department of Housing and Urban Development guidelines

Applicants are also required to contractually agree to all program guidelines, and certify that they own the home to be assisted, and that it is their principal residence. Additionally, first mortgages, property taxes and/or assessments must be current. The property to be assisted must be free from any liens or judgments, and the homeowner must complete the required Homeowner Maintenance Training Classes.

The Home Repair programs provide an interest-free deferred payment loan to qualified, eligible applicants. All loans are deferred until point of sale, transfer of title, moving, refinancing with a cash pay out, refinancing with higher interest rate, refinance with more than 2% lender’s fees, or failure to occupy the home. Home repair/rehabilitation loans are forgiven after five years provided the applicant continues to live in the home; loans for home replacement have a term of thirty years.

For more information about the Home Repair program, call (352) 742-6530.

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