The purpose of the Greater Indy Habitat for Humanity Home Repair Loan Program is to foster and maintain affordable, decent, and safe housing in our community.

The program is designed to help low-income homeowners who are struggling to maintain the integrity of their homes. As the program has developed, the current repairs are being completed in focus neighborhoods and typically involve more significant repairs. Financial assistance to eligible homeowners is in the form of a 0% interest, partial repayment loan based on the homeowner’s income. There is a limit of one approved program loan per household per year.

*Please note: Due to high interest in this program, we are no longer accepting applications.

Eligible repairs include, but are not limited to:

• Roofing and gutter repair
• Sidewalk, porch, and patio repair
• Accessibility
• Siding repair and replacement
• Window repair and replacement
• Insulation
• HVAC replacement and repair, including furnaces and water heaters

Eligibility

Homeowners must meet the following basic program criteria to be eligible for consideration for the Homeowner Repair Program:

• Property must be owner-occupied and serve as the primary residence of all owners on title.
• Property must be a single-family residence or duplex. Multi-family dwellings larger than two units and homes used as rental units are NOT eligible.
• The mortgage and property taxes must be current on the property.
• The property must be covered by homeowner’s insurance.
• Homeowners and/or household members must be willing to pay a portion of the cost of any repairs performed. THIS IS NOT A FREE PROGRAM.
• Household may not exceed 80% of the area median income based on the most recent HUD Income Limits:

Thank you to our partners!