Detroit 0% Interest Home Repair Loan

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

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