Home Improvement Program

Household Size & Income – Are You Eligible?

If you are the owner-occupant of a single-family home and meet the household size and income limits outlined below, then you’re eligible to apply for financial assistance to improve your home.

HIP is funded through the US Department of Housing and Urban Development (HUD). To qualify for this loan, you must meet the following federal requirements:

  • You must have lived in your home for a minimum of 12 months and be considered your primary residence.
  • Household size, defined as all occupants of the household, falls within the chart.
  • Household income, defined as the gross income of all residents, falls within the chart.
    • Children under age 18 and full-time students are not included in household income.
    • Annual household income includes:
      • The gross amount of all wages, salaries, recurrent overtime, commissions, fees, capital gains, tips, and bonuses
      • Interest and dividends
      • The full amount of recurrent periodic payments received from Social Security, pensions, or other similar annuities
      • Periodic public assistance payments, alimony, child support, and any other payments or contributions which are received on a recurrent basis, and which may be reasonably expected to continue


Financial Assistance

Financial assistance comes in the form of a Deferred Payment Loan, which covers the cost of improvements up to $20,000. How Deferred Payments Loans work is:

  • You borrow money to put towards repairs, and there are no monthly payments or interest charges.
  • The amount borrowed will not need to be repaid until the title to your property is transferred by sale, by gift, your estate is settled, or otherwise.
  • The money you repay will return to the fund to help other homeowners with repairs.


Technical Assistance 

Along with financial assistance, HIP also provides, at a minimum, the following:

  • An initial inspection to determine what work is needed
  • A lead hazard inspection
  • A follow-up inspection to ensure accuracy of the specifications
  • Assistance in selecting contractors to perform the job 
  • Work-in-progress inspections to monitor each contractor

For additional information and financial chart to see if you quality, Download Brochure