Homeowner Rehabilitation Assistance Program

ABOUT THE PROGRAM 

The City of Jackson offers a no interest, low repayment, short term loan to income qualified homeowners to repair emergency hazards and/or replace aged major systems before they create an emergency situation.

 

EMERGENCY HAZARD REPAIRS:

· Used to repair certain housing elements creating a health or safety hazard in owner occupied properties.

· Emergency hazard conditions include, but are not limited to, the follow:

¨ Leaking roof systems

¨ No cooling during the summer months

¨ No heating during the winter months

¨ No hot water

¨ Severe water or gas leak

¨ Deteriorated or collapsed drainage systems

¨ Major electric problems

¨ Any other immediate threat to the life, health, or safety of the occupants

 

MAJOR COMPONENT  REPLACEMENT:

· Used to repair certain major components that have outlived or are nearing the end of their effective useful life before they become an emergency.

· Major Components may include, but is not limited to, the following:

¨ Structural Repairs

¨ Roof/Gutter System

¨ Plumbing systems

¨ Mechanical systems

¨ Electrical systems

¨ Ingress/Egress Accessibility

 

To be eligible, you must own and occupy your home as your primary residence and be current on all property taxes, special assessments, water bills, mortgages, etc. Your combined household income cannot exceed the amounts listed below based on the number of people living in the home (both adults and children):


Number in Household:

1

2

3

4

5

6

7

8

Income Cannot Exceed: 

 $40,600

$46,400

$52,200

$58,000

$62,650

$67,300

$71,950

$76,600



HUD Income Guidelines 2022-23

  More Details


  • Maximum loan amount of $25,000
  • All hazards must be repaired up to City Code
  • Only applicants whose household income is less than 80% of median income are eligible, as defined by U.S. Department of Housing and Urban Development (HUD). 

How to Apply 


Complete and submit an online application (visit https://www.cityofjackson.org/155/Housing-Rehabilitation-Loans) For more information, or to request a paper application, please contact Cory Mays at cmays@cityofjackson.org OR (517) 768-6461