Detroit 0% Interest Home Repair Loan

City of Detroit / LISC Detroit

Closing Home Repair

About This Program

Detroit's flagship 0% interest home repair loan program, running since 2015. Loans of $5K-$25K repaid over 10 years with no interest. Covers roofs, windows, plumbing, electrical, furnace, lead removal, structural repairs. Requires 560+ credit score, DTI under 45%, 6+ months ownership, current on taxes and insurance. After a decade serving 800+ homeowners, this program winds down June 2026. 14,000 people are on the waitlist. If you can't get in, see the Critical Home Repair Program and Detroit Home Repair Fund.

560+ credit score, below 80% AMI or in HUD target area

Key Details

  • 0% interest, 10-year repayment period
  • Min 560 credit score, max 45% debt-to-income ratio
  • Must own and live in Detroit home 6+ months
  • PROGRAM ENDING JUNE 2026, 14,000-person waitlist
  • Covers roofs, windows, plumbing, furnace, electrical, lead removal

How to Apply

Visit Official Program Page Track this program

313-388-9799

Deadline: ENDING JUNE 2026, 14,000-person waitlist; apply immediately or seek alternatives

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