Creating stronger neighborhoods by providing 0% interest home repair loans to Detroit homeowners. You pay back only what you borrow.

What is it?

The Detroit 0% Interest Home Repair Loans Program offers 10-year, interest-free loans from $5,000 to $25,000 to help Detroit homeowners invest in and repair their homes – promoting public health and safety, increasing property values and helping residents secure and maintain homeowner’s insurance.

Who can apply?
  • Homeowners must own and occupy their home for at least six months prior to applying.
  • Low-income homeowners can apply no matter where they live. View the income table to learn more.
  • Regardless of income, homeowners in designated areas in each city council district can still apply. See the map.
  • The minimum credit score is 560. If you don’t qualify for a loan, our 12 intake centers provide free budget & financial counseling services.
  • Homeowner’s insurance and property taxes must be current.
  • The homeowner must be able to afford the loan payments.
What repairs qualify?
If the home has health and safety hazards (i.e. lead, mold, asbestos), those issues must be addressed first before other repairs can be made.  The following are sample projects:

  • Removal of lead & other health/safety hazards (required)
  • Electrical repairs;
  • Furnace & HVAC replacement;
  • Roof replacement;
  • Plumbing;
  • Door and window replacement;
  • Concrete repairs (sidewalks, driveways);
  • Porches, foundations and other structural repairs.
How to Apply

Download the Intake Form Here

You can also visit one of the 12 Intake Centers as well as any City of Detroit Rec Center to pick up an application for a home repair loan. When you have completed the application and compiled all of the required documents, please contact an Intake Center to schedule an appointment to submit your application.