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You are here: Home > Departments > Community Services > Housing And Community Development > Home Repair Assistance
 Home Rehabilitation & Replacement Program

NOTICE: The Rehabilitation and Replacement program is accepting applications. Applications will processed on a first come, first served basis. Applications are available at the Housing & Community Development Division office.

Lake County offers financial assistance for rehabilitation to homes owned by extremely low, very low and low incomes persons through the State Housing Initiatives Partnership (SHIP) funds. The funds can be used for 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 reconstruction housing (in some instances)

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

Household Size
Number of Persons
Extremely Low Income
30% or less of AMI
Very Low Income
50% or less of AMI
Low Income
80% or less of AMI
Moderate Income
120% or less of AMI








































* AMI = Area Median Income
* Effective 04/01/2018
* 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 the home to be assisted has been their homestead principal residence for a minimum of 3 years. Additionally, first mortgages, property taxes and/or assessments must be current. The property to be assisted must be free from any liens or judgements. Homes needing a demo-replacement must be mortgage-free.

The SHIP Rehabilitation 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 payout, 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 fifteen years provided the applicant continues to live in the home; loans for home replacement have a term of fifteen years.

For more information about the SHIP Home Rehabilitation & Replacement program, call 352-742-6530.

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