Kane County Owner-Occupied Rehabilitation Program

Kane County Community Development (CDBG)

Available Home Repair

About This Program

CDBG-funded program providing forgivable loans for major home repairs for low-income homeowners in Kane County. Loan forgiven after 5 years of occupancy. Covers roof, HVAC, plumbing, electrical, and other critical systems.

Forgivable loan, no repayment if you stay in the home 5 years

Official program page checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Forgivable loan up to $35,000 for major repairs
  • Income at or below 80% AMI required
  • Must be owner-occupied in Kane County
  • Forgiven after 5 years of compliance
  • Covers roof, HVAC, plumbing, electrical

How to Apply

Get free help applying Visit Official Program Page Track this program

(630) 208-3841

A grant-savvy contractor in St. Charles, IL can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in St. Charles early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling applications, subject to funding availability

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse St. Charles, IL contractors

Find More Programs in St. Charles, IL

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs