City of Chicago Small Owner-Occupied Repair Program (SOAR)

About This Program

Chicago's Small Owner-Occupied Repair (SOAR) Program provides forgivable loans up to $45,000 for emergency and code-required repairs to owner-occupied 1–4 unit properties. Eligible work includes roofing, tuckpointing, window replacement, HVAC, plumbing, and electrical systems. Funded through CDBG and HOME. Loans are forgiven after a compliance period if the owner remains.

Income-qualified owners of 1-4 unit properties in Chicago at or below 80% AMI

Key Details

• Up to $45,000 for emergency and code-required repairs
• Covers roofing, tuckpointing, HVAC, plumbing, and electrical
• Forgivable after compliance period — no repayment if you stay
• 1–4 unit owner-occupied properties eligible
• Contact Chicago Dept of Housing: 312-744-5000

How to Apply

Deadline: Rolling — contact Chicago Dept of Housing