The Housing Rehabilitation Loan Program enables eligible low-and-moderate income homeowners to make repairs and basic home improvements that maintain the quality of their housing and create a positive effect in the surrounding neighborhood. Loans are offered at below-market interest rates Loan amounts are based on the approved repair needs of the property for terms up to 15 years. Interest rate and term of the loan depend on yearly (gross) income. Loans are available for one to four-family owner occupied homes. A title search, credit check and appraisal are required, and will be provided by the Program.
Download the Housing Rehabilitation Loan Program Brochure
Loans are made up to 97 percent of appraised value and are secured by a mortgage on the property. Priority is given to Department of Housing and Urban Development (HUD) housing quality standards and health and safety issues. The homeowner participates in setting priorities for repairs and in contractor selection. Loans can be used to make many types of repairs such as furnace replacement, electrical system upgrades, broken plumbing fixtures, drains and water lines, and roof tear off and replacement.
Housing Rehabilitation Loan Program Amounts
| Household Size |
Deferred* |
0% |
2% |
4% |
| 1 |
$22,700 |
$27,450 |
$31,780 |
$36,300
|
| 2 |
$25,900 |
$31,080 |
$36,260 |
$41,500 |
| 3 |
$29,150 |
$34,980 |
$40,810 |
$46,650 |
| 4 |
$32,400 |
$38,880 |
$45,360 |
$51,850 |
| 5 |
$35,000 |
$42,000 |
$49,000 |
$56,000 |
| 6 |
$37,600 |
$45,120 |
$52,640 |
$60,150 |
| 7 |
$40,200 |
$48,240 |
$56,280 |
$64,300 |
| 8 |
$42,750 |
$51,300 |
$59,850 |
$68,450 |
Income Eligibility Guidelines for Loan Programs
| Household Size |
Maximum Income |
1
|
$36,300
|
2
|
$41,500
|
3
|
$46,650
|
4
|
$51,850
|
5
|
$56,000
|
6
|
$60,150
|
| 7 |
$64,300 |
| 8 |
$68,450 |
How to Apply:
Click here to fill out and print an application . Applications should be mailed to the address below.
If you live within Cuyahoga County and outside the cities of Cleveland, Cleveland Heights, East Cleveland, Euclid, Lakewood, Parma, Brecksville, Hunting Valley, and Chagrin Falls, contact the following for an application form and more information:
Cuyahoga County Department of Development
112 Hamilton Court, 4th Floor
Cleveland, OH 44114
(216) 443-7260
Ohio Relay Service (TTY) 1-800-750-0750
City of Cleveland Residents should call: (216) 664-4218 for application forms and information. Residents of Cleveland, Cleveland Heights, East Cleveland, Euclid, Lakewood, Parma, Brecksville, Hunting Valley, and Chagrin Falls should contact their city hall.