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Housing Rehab Loan

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The City of Appleton recognizes that maintenance of the existing housing stock is important to the overall well being of the community. A stable economic base, sound codes, ordinances and enforcement procedures, in conjunction with responsible homeowners, have all contributed to the high quality residential neighborhoods found in Appleton.
If you are a low to moderate income single-family homeowner or are the owner-occupant of a duplex, you may qualify for the Homeowner Rehabilitation Loan Program.

The Homeowner Rehabilitation Loan Program provides low to moderate income households in the City of Appleton with financial and related technical assistance for the rehabilitation of their owner-occupied homes or duplexes.

The Program offers the opportunity to protect the investment you have in your house by providing rehabilitation loan funds at no interest and no monthly payments. The rehabilitation of your property also increases its value and extends the life of the home.

In order to qualify for a loan, you must meet the following requirements: You must be a resident of the City of Appleton. The property must be an owner-occupied single-family residence or owner-occupied duplex and you must reside at the premises for at least 90 days prior to application. Your home must be physically and financially able to be rehabilitated. Please see Gross Income and Personal Asset Limits for additional requirements.

The loan amount is placed as a lien against your property and recorded with the Register of Deeds. It is repaid in full (no interest) when you sell, transfer, lease or vacate the home.

When the loan application form is completed, you have the opportunity to list the home improvements you would like to see done and discuss them with the Housing Coordinator. However, Federal and City regulations require all items not meeting code, as identified during the property inspection, and all lead paint hazards must be rehabilitated as part of the loan funds. Home improvement work will be prioritized with the most important first. Based on the eligible amount of the loan, it is possible that not all work needed will be done. Funds cannot be used for new construction or the acquisition of land.

Priority will be given to the following work:

• Lead paint hazards
• Electrical
• Plumbing
• Heating
• Roofing
• Foundation
• Windows, exterior doors, insulation
• Interior Walls and Ceilings (Lead hazards only)
• Exterior Surface

Work that is considered purely cosmetic (e.g. flooring replacement, cabinet replacement, etc.) is not eligible.

In order to qualify for a loan, you must meet the Gross Income limits set by the U.S. Department of Housing and Urban Development (HUD). Gross Income is defined as the total dollar value of all income earned before deductions.

Types of Income Include:

• Any job held within the past 12 months
• Pension
• Social Security
• Unemployment
• Child Support
• Maintenance Payments from a divorced spouse
• Disability Payments
• Any other income received


Family Size Gross Income
1 $46,950
2 $53,650
3 $60,350
4 $67,050
5 $72,450
6 $77,800
7 $83,150
8 or more $88,550

Program regulations limit the amount of personal assets you may possess to $50,000. Assets include:

• Cash and bank accounts
• Stocks and bonds
• Equity in real property (excluding the subject property)
• Luxury items (collector cars, boats, motor homes, campers, etc.)

Loan amounts are based on the lower of the following:

• $25,000
• The actual cost of the rehabilitation work, or
• An amount, which when added to the amount you owe on the property, does not exceed 100 percent of the home's current value.


Estimated Fair Market Value of Property $100,000
Outstanding Balance of Mortgage(s) & Liens on Property $85,000
Loan Amount $15,000

In this case, the property owner would qualify for a $15,000 rehabilitation loan. In some cases, it may be necessary to increase the loan amount to 110% of the property value. This will be done with the discretion of the Housing Coordinator on a case-by-case basis.

To print a brochure containing all the information outlined above, click on Brochure.



Applications are not currently being accepted.  Applications will become available again in the Fall of 2020. Please check back then to apply.  Applications will be made available on the website, on the first floor of City Hall across from the cashiers, and on the fifth floor of City Hall at the Customer Service area.  Applications will be available during the application period only.

For more information on this program, contact the Community and Economic Development Department at (920) 419-6022.


Contact: Laura Bonnet - Housing Coordinator
Phone: 920-419-6022
Fax: 920-832-5994
Click here to email
Mailing Address: 100 N. Appleton Street 
Appleton, WI 54911
This links to an Internet site not affiliated with the City of Appleton. By providing links to other sites, the City of Appleton does not guarantee, approve or endorse the information or products available at these sites.
Hours: Monday-Friday

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