IHCDA Owner-Occupied Rehabilitation Program

Indiana Housing & Community Development Authority

Available Home Repair

About This Program

State-funded program providing forgivable loans for major home repairs to income-qualified owner-occupants. Loan is forgiven after 5 years of continued owner-occupancy. Administered through local community development offices.

Forgivable loan amount based on scope of needed repairs

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 primary residence
  • Forgiven after 5 years of occupancy
  • Covers structural, systems, and safety repairs

How to Apply

Get free help applying Visit Official Program Page Track this program

(260) 563-8444

A grant-savvy contractor in Wabash, IN 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 Wabash early keeps your application moving.

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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

Indiana's Owner-Occupied Rehabilitation program uses federal Community Development Block Grant money to fund local home repair programs for income-qualified homeowners, covering work like roof replacement, heating and cooling, water heaters, electrical upgrades, and accessibility modifications. The state awards the funds to a local unit of government or nonprofit; you apply through the local program in your community.

Steps to apply

  1. Check whether your city, town, or county runs an Owner-Occupied Rehabilitation program (the state funds local programs, not homeowners directly).
  2. If yours does, contact that local program to apply; if it does not, ask your local government to apply for the state CDBG funding.
  3. Confirm you qualify: you own and occupy the home and your household income is low to moderate.
  4. The local program inspects the home and manages the approved repairs.
Get the official form

Documents you will likely need

  • Proof you own and occupy the home.
  • Proof of household income (low to moderate income).
  • A description of the repairs needed.
  • A government-issued photo ID.
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: Ongoing while funds available

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