Explore the outstanding program provided by the City of Racine Department of City Development, offering home repair loans with flexible terms. Homeowners residing within the City of Racine boundaries are now invited to apply for a loan to address and repair their homes.

To qualify for a loan with the City of Racine, homeowners must be:

• On-time with mortgage payments, property taxes, and property insurance.
• Within the City of Racine city limits (owner-occupant).
• Under the federally set income guidelines for the household.

Household Size    Income Limits ($)

        1                        54,500

        2                        62,300

        3                        70,100

        4                        77,850

        5                        84,100

        6                        90,350

Homeowners may not:

• Own the property under a land contract.
• Have declared bankruptcy within six (6) years.
• Have a reverse mortgage on the property.
• Other restrictions may apply.