Home Rehabilitation Loans

Updated February 7, 2022: Home Rehab Loans are currently unavailable in Jackson and Trempealeau Counties.

Does your home need repairs? If you answered "yes" you may qualify for rehabilitation assistance through the Southwest Wisconsin Housing Region's Home Rehabilitation Program.

• Minimum loan amount of $1,000
• Funds are offered at 0% interest
• No payments are made on the loan until the home is sold, refinanced, or is no longer the primary residence of the loan recipient
• The loan is secured by a mortgage against the property

Loans may cover activities including:

• Roof repair/replacement
• Plumbing repairs
• Lead paint remediation
• Septic & well replacements
• Siding repair/replacement
• Electrical updates
• Accessibility for individuals with disabilities
• Energy efficiency improvements (including window replacements)

Eligibility Requirements:

• Home must be located in Trempealeau, Jackson, La Crosse, Monroe, Vernon, Crawford, Richland, Grant, Iowa, Lafayete or Green county
• Loan recipient must own the home being repaired
• Loan recipient must live in the home as your primary residence
• Loan recipient must be income eligible
• Mobile homes must be on land owned by the mobile home owner
• The home must meet a decent, safe, and sanitary inspection after the rehabilitation work is completed

Household Income Limits

Eligible homeowner must have a total household income at or less than 80% of the county median income.

To apply for a Home Rehabilitation Loan

1. Download an Application

2. Mail the completed application to the agency serving your county. A list of counties and staff contacts is available on the right-hand side of this page.