Own Your Home

To qualify, you must own your home and have occupied it for at least 6 months. Single-family and multi-family units are eligible as long as the person applying for the loan is also the owner.

If you do not have a copy of the title and are not sure whose name the property is in, a good place to start is the Wayne County Register of Deeds website. You can search by last name to find records of home ownership for most homes bought or sold after 1990. If you find an issue with title, a number of community based organizations have help available.

Be a low-income resident or live in a designated area

Low-moderate income Detroit homeowners qualify no matter where they live in the city. Check below to see if you qualify based on income. If you don’t qualify based on income, check the map to see if you live in an eligible target area where there are no income restrictions.

Household Size

1 person


2 people


3 people


4 people


5 people


6 people


7 people


8 or more


Income Limit

$ 39,700

Per Year

$ 45,400

Per Year

$ 51,050

Per Year

$ 56,700

Per Year

$ 61,250

Per Year

$ 65,800

Per Year

$ 70,350

Per Year

$ 74,850

Per Year

If you are above the income limits, you may still qualify.

Check the map below to see if you live within one of the designated target areas.

Have a credit score of at least 560

The minimum FICO credit score to qualify for a loan is 560, which is between a “poor” and “fair” rating. If you don’t qualify for a loan, we’ll connect you with resources to help you improve your credit score, such as free credit counseling. Below are free resources available to help you learn about your credit score.

Option 1: Check with your bank

Banks and credit unions can not only help you find your credit score, but they may have resources available to help you improve it.

Option 2: Credit Karma

Check an estimate of your credit score for free using Credit Karma. In addition to an estimate of your score, this tool will give you a description of what was included in your score’s calculation. An exact, current credit score will be calculated for you when you apply for a loan, and it may vary from the estimate provided by Credit Karma.

It will not ask for your credit card, and checking your credit will not hurt your score.

Have current homeowners insurance

Homeowners insurance provides financial protection if your home or its contents are damaged. It also provides protection if you or a family member are held legally responsible (liable) for the injuries to others or damage to their property. It’s also required by most mortgage lenders, including this program.

If you do not have homeowners insurance, you may still be able to begin the application process as long as you meet all other requirements. Contact a Neighborhood Intake Center for more information.

Be current on taxes

To apply for a loan under the Detroit 0% Home Repair Loans Program, you must be current on your property taxes or be current on a payment plan.

And, you must be able to afford the loan and make payments

Loans range from $5,000 to $25,000 and are payable over 10 years. Check here to view estimated monthly payments:

How much will you be borrowing?

How many years will you need to pay off the loan (10 or less)?

What will be the interest rate?

Do you think you qualify? Here are the documents you’ll need to apply:

This checklist may be changed and/or amended at any time, as needed, by the City of Detroit.

  • Signed Homeowner’s Loan Intake/Application Form;
  • Copy of Current Driver’s License, State ID, Passport, Certificate of
  • Citizenship or Naturalization;
  • Recorded Warranty Deed (available at Wayne County Register of Deeds 400 Monroe Ave #700, Detroit, MI 48226);
  • Proof of Current Hazard Insurance;
  • Proof of Paid Property Taxes (available at Wayne County Register of Deeds 400 Monroe Ave #700, Detroit, MI 48226);
  • Income Verification Checklist (All household members over 18);
  • Proof of Occupancy – Utility Bill, insurance certificate, property tax, homestead exemption;
  • Current two (2) Most Recent Paystubs;
  • Current two (2) years Income Tax Returns with Completed Schedules;
  • Savings and Checking Account Statements;
  • Authorization to run credit report; and
  • Lead test results (only applies to children six (6) years or younger).

Intake Forms are now available.