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If you own a home in Iowa, you might need help making the home more livable! Options are available that might make it easier for you to make repairs to your home. We found Iowa home repair grants you might be able to use to update your home or make it safer.
You could get Iowa home repair grants!
You might be able to use the USDA to get Iowa home repair grants. The USDA offers a grant program to people who live in rural housing. You might be able to qualify for it if you live in an area they consider rural and meet their guidelines. You could get up to $7,500 to apply to your home repair project.
The Iowa weatherization program is available for people who are low-income and need energy efficiency upgrades. If your home needs new insulation, flooring or even a heating system, you might be able to get help through this program. You’ll need to meet their income guidelines and other rules to qualify for home repair assistance through the weatherization program.
If you’re in an emergency situation or if you’re struggling with an unsafe home, you might be able to get repair help through the Habitat for Humanity. While they might not be able to help everyone with repair opportunities, they have resources that might direct you to repair assistance. You can also use the Habitat for Humanity Restore to find affordable and quality used materials to repair your home on your own.
Try these loans to help repair your home.
The USDA could help you with a home rehabilitation loan. Even if you use one of their Iowa repair grants, you might be able to get the loan through the USDA. The loan comes in amounts up to $20,000 for people who qualify. It also comes with simple terms, an interest rate lower than most traditional sources and a longer period to pay it back.
Iowa’s Economic Development Division might be able to help you if you’re struggling with home repair costs. You could get help repairing your home through their loan and grant programs. As long as you meet their income guidelines and any other guidelines they have in place, you might be able to get help through the state.
If you’re entitled to VA benefits, you could get help with the VA-backed home repair loan. This loan could make it easier for you to make upgrades to your home and to make it safer. Veterans who are disabled as a result of service injuries may be entitled to more assistance through the VA for home repairs or accessibility modifications.
Property tax relief is available in Iowa!
The Agricultural Land Credit might make it easy for you to get property tax relief if you live on agricultural land. You could save a large amount on your tax bill by reducing the percentage of your taxable property amount.
The Family Farm Land Credit is similar to the ag credit, but it might help if you live on a family farm or if you are working on a family farm that is a part of your family. The program allows you to reduce your total tax bill so you can save money and get property tax relief options just for having a family farm.
With the Homestead tax credit, you could get up to $4,850 off of your total taxable amount. This could help you save money and might make it easier for you to pay your property tax bill. You will need to apply for the program. Once approved, you can use the credit during that year.
Veterans might be able to get help with their property taxes. You could get a portion of your property taxable amount reduced if you’re a veteran. You can also get the homestead tax credit, the property tax exemption and military retirement tax exemption. As a disabled veteran or the surviving spouse of a disabled veteran, you might be entitled to 100% property tax exemption.
These property tax exemptions are just some of the most popular options! Iowa offers over 50 different tax exemptions. You might be able to use more than one depending on your specific situation. To learn more about all the exemptions, click here!
Facing foreclosure? We found relief options!
Iowa Mortgage Help provides resources to people who qualify and are facing foreclosure. There are options available that could help you find the best way to get out of foreclosure and stay in your home. The organization can also help you figure out how to not get into a foreclosure situation again. If you’re facing foreclosure and you qualify, Iowa Mortgage Help offers resources!
If you feel the foreclosure is unfair, you might be able to get help through Iowa Legal Aid. There are a variety of resources they might be able to provide including legal representation. These resources might help you get out of foreclosure and might protect you if you’re facing foreclosure.
The Iowa Consumer Protection Agency might be able to help you with foreclosure. If you’re in a bad mortgage or if you’ve used illegitimate foreclosure relief options, you might have protection through the agency. You might also be able to get help with foreclosure relief resources.
Veterans might be entitled to special assistance if they’re facing foreclosure. Are you a veteran struggling to pay your mortgage? If so, you might be able to get help through the VA. The VA might also help service members who are struggling to pay their mortgage while they are active duty or as a result of a service-related disability.
Talk to an Expert Now!
Have a home repair question? If you’d like to talk to a home repair technician right now, our friends at HomeFix can help!
Get Iowa home repair grants through your county!
There are some counties that offer Iowa home repair grants to their residents. You might be able to get help with home repairs through these grants. Check below to see if your county offers assistance.
Black Hawk County
Are you a resident of Cedar Falls in need of Iowa home repair grants? You might be able to get help through your city! They offer housing rehabilitation options, low-interest loans and assistance. You could get help with up to $10,000 toward your repair projects! The city also offers the CDBG for people who qualify.
If you’re in Waterloo, you might be able to get help through Operation Threshold. The organization works with low-income individuals and families to help them become more self-sufficient. If home repairs or an unsafe home are holding you back, you might be able to get help with them.
The Dubuque Home Rehabilitation loan might be able to help you. The loan is available for people who qualify in amounts up to $25,000. This loan can be used for a variety of repair and upgrade projects to make your home safer or more livable. You might also be able to use the home repair loan. This loan comes with 0% interest and easy financing terms. It comes in amounts up to $5,000 for people who qualify.
Dubuque also offers accessibility loans. If you’re disabled, you can use this loan to make your home more accessible. Accessibility loans through Dubuque are forgivable.
Do you need Iowa home repair grants in Iowa City? You might be able to get them through the CDBG. This could help you upgrade your home or make it safer. If you qualify for help through the CDBG, you could get a grant that doesn’t require you to pay it back. Iowa City might also have other options that you could use including a low-interest loan if you qualify!
If you’re a resident of Cedar Rapids and you need Iowa home repair grants, you could get help them through the city. They offer up to $35,000 for people who qualify for repair expenses. You could use this funding to repair the structure of your home, to fix safety issues and to correct nuisances in your home.
Des Moines might be able to help you through their Neighborhood Finance Corporation. In addition to the mortgage you can get through the organization that might help you make repairs to your home as soon as you purchase it, you can get other help. NFC offers up to $10,000 in repair loans. These loans are forgivable after five years and might make it easier for you to fix your home instead of using a traditional loan that comes with a higher interest rate.
The West Des Moines Metro Home Improvement Program might be able to help you. They offer owner-occupied housing assistance you could use to repair your home. In addition to needing to live in your home, you will have to meet their other requirements.
If your income is below 80% of the limit, you might be able to get Iowa home repair grants through Polk County. You can use these in addition to NFC and Metro housing assistance. The rehabilitation program can help you update your home to make it safer to live in as well as easier for you to live in!
Are you in Council Bluffs and need Iowa home repair grants? You might be able to get help if you have an emergency home repair that you need! They offer an emergency home repair program that could help you if you have hazardous conditions in your home. This program could provide up to $2,500 toward your home repair project. You will need to meet their income and emergency repair requirements to qualify for the program.
Davenport offers a housing rehabilitation loan. You can use this loan to help make your home safer to live in and more updated. It comes with lower interest rates than traditional loans and a longer period of time you can use to pay the loan back. You might also be able to use the loan if you have crucial systems that need changed in the home. In addition to the loan, Davenport offers the exterior accessibility grant for people who are disabled and need to make their home more accessible.
Residents of Ames might be able to get help with a community development block grant. This is one of the Iowa home repair grants you can use to make a variety of updates and repairs to your home. Funding might not always be available with this grant and you’ll have to meet the qualifications to get approved for it when funding is available.
Are you in Sioux City and need help with home repairs? You might be able to get help with a rehabilitation loan. The city also offers the CDBG to help people who might not be approved for the loan. There are emergency repair options you might be able to use that could help you update your home and save on expensive fixes. You’ll need to apply and qualify using the income and other guidelines!