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Home Rehabilitation

Fairborn low- to moderate- income homeowners may receive financial assistance to correct property maintenance issues, lead-based paint hazards as well as much needed home repairs and improvements. Several factors are reviewed prior to approval; those include the urgency of the repair needed, the overall condition of the property and the financial need of the applicant.

There are two forms of assistance available, depending on the condition of the home: 1).  If the home needs complete rehabilitation, assistance will be in the form of a 5 year zero (0%) interest deferred/forgivable loan reducing 15% each year with 25% remaining due upon transfer of the property. This will be secured by a mortgage and promissory note with a declining repayment agreement.  2).  In the event the home needs minor repairs, assistance will be in the form of a 2 year zero (0%) interest deferred/forgivable loan which reduces 50% each year but due and payable upon transfer of the property during those two years (same as above).  This will be secured by a mortgage and promissory note.

Some generally accepted types of rehabilitation include roofs, gutters, windows, furnaces, electrical upgrades, walk stairs, plumbing, doors, water/sewer line repair, hot water tanks, structural deficiencies.

To qualify for this program the homeowner must meet the following criteria:

  • Be the owner of the property
  • Must be your primary residence
  • Total household income must be at or below 80% of area median income
  • Carry active homeowner insurance
  • Current on property taxes

Please follow the link for more information on the HandUp Program.
Interested homeowners can complete the application and contact Assistant Development Services Director, Missy Frost to schedule an application review at 937-754-3060. 

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