Home Rehabilitation / Reconstruction Loan Program

City of Austin, Neighborhood Housing & Community Development (NHCD)

Active Home Repair

About This Program

Zero-interest deferred loan to bring homes up to building code, with no monthly payments during the 15-year lien period. When repairs exceed $75,000 and full rehabilitation is not cost-effective, the program funds full demolition and reconstruction of a new home in its place. Lead-based paint hazard remediation is included in eligible scopes.

0% interest; no monthly payments; 15-year lien. Rehab capped at $75,000; reconstruction up to $350,000 or 125% of after-improvement appraised value.

Key Details

  • Zero-interest deferred loan, no monthly payments for 15 years
  • Must own and occupy within Austin full-purpose city limits
  • Household income ≤ 80% MFI
  • Covers full code compliance, lead paint, and reconstruction if home is too far gone
  • Estimated 6 homes served per program year

How to Apply

Visit Official Program Page Track this program

512-974-3100

Deadline: Rolling

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