Offers three types of housing rehabilitaiton loans, designed to help homeowners who are struggling to get repairs done on their own. The assistance is provided in the form of a forgivable loan to income qualifying applicants and is only available to City residents who own their own house.

Emergency assistance program is open to property owners in any part of the City but is limited to a small number of eligible activities. The program can help with inoperable furnaces/boilers, water heaters, broken water lines or sewer laterals, non-compliant electrical weather heads, severely damaged roofs, and exterior accessibility issues for elderly and disabled persons. This program aims to provide help quickly.

General assistance program exists to help property owners who live in any part of the City. Activities can include a wide range of things including repairs or replacement of principle fixtures and components, water and energy efficient improvements, repair or replacement of water lines or sewer laterals, and improvements to remedy barriers that restrict the mobility and accessibility of elderly or disabled persons. Common exterior items that qualify under this program are roofs, entryways, stairs, and porch repairs. Common interior items that qualify under this program include stairways, plumbing, electrical panels, and mechanical equipment.

Targeted Area Repair Rehabilitation Program (TARRP) is limited to property owners within designated target areas of the City. These areas are shown in the maps below. One of the City's Housing and Property Maintenance Inspectors is assigned exclusively to these designated target areas. If the inspector finds a citable nuisance violation at a house, they are able to provide the property owner with information about this program. The property owner can then reach out to the Housing & Loan Program Officer and apply for assistance through this program for help getting the enforcement violations resolved. Violations are issued based on the condition of the following: structural deficiencies, nuisance violations, and health and life safety issues. Only exterior rehabilitation work is eligible in this program.