Housing Rehabilitation Loan Program

Are you a homeowner who recently had damage to your home caused by the heavy rains? Are you a homeowner struggling to keep up with improvements? If so, you may be eligible to obtain a 0 percent interest loan for certain home improvements.

Loan repayment is deferred until the homeowner no longer lives in the home. Eligibility is based on income, household size, and ownership. Maximum Gross Household Income Limits:
  • 1 person: $36,200  
  • 2 persons: $41,400
  • 3 persons: $46,550
  • 4 persons: $51,700
  • 5 persons: $55,850
  • 6 persons: $60,000
  • 7 persons: $64,150
  • 8 persons: $68,250
Income limits change periodically

Assistance Provided

Garden City offers personalized service to assist you in each step of the home improvement process; we are prepared to:
  • Advise you of eligibility
  • Assist in the application process
  • Formally bid your work to licensed and insured contractors
  • Monitor work during construction
  • Perform a final inspection to ensure satisfactory completion
  • Perform a lead-based paint hazard assessment, if needed
  • Perform a property evaluation to determine needed repairs

Eligible Home Improvements

Based upon your home improvement needs, financial situation, and funds available at the time of application, the following improvements may be eligible:
  • Barrier-Free Access
  • Bathrooms Doors
  • Chimney Repairs
  • Electrical Systems
  • Furnaces
  • Hot Water Heaters
  • Insulation
  • Masonry
  • Plumbing
  • Porches
  • Roofing
  • Septic Systems
  • Sidewalks
  • Siding
  • Structural Defects
  • Water and Sewer Lines
  • Windows


Pick up an application at City Hall or view the application here (PDF).