Homeowner Rehab

The Homeowner Rehab Program provides up to $35,000 of home rehab assistance for the replacement of major home systems, such as roofs, siding, windows, furnaces, and other items needed to bring the entire home up to minimum housing code. The investment in the homeowner-occupied housing is secured by a zero interest, no payment second mortgage due upon sale/transfer of the property or if the home becomes a rental.

The Homeowner Rehab Program is available to qualifying, low-income homeowners in the target areas of Post-Franklin Neighborhood Planning Council 1 and North Central Neighborhood Planning Council 2 (links to target area maps)

To qualify for assistance, household income must be at or below:

 Household Size  1  3  4  5  6 7        8
 2018 Income Limits  $36,150  $41,300 $46,450  $51,600  $55,750 $59,900  $64,000  $68,150

Program Requirements Include:


  • · Homeowners must be legal residents of the United States.

    · Homeowners must own and live in the assisted property.

    · Homeowners must be current on taxes, homeowner’s insurance and their mortgage.

    · Funding is zero payment, no interest, due on sale loan, secured by a five-to-ten year 2nd mortgage.

    · Rentals, lease purchase, mobile homes and land contracts are not eligible.

    To apply for the program, submit an application with copies of these supporting documents:  

    · Driver’s License / State-issued Photo Identification Card

    · Proof of Homeownership (Recorded Deed)

    · Proof of paid up-to-date property taxes

    · Proof of Homeowner’s Insurance (declaration page or policy)

    · Proof of income for all household members (prior year federal income tax return, W-2s, two months of paystubs and/or benefit statements) 

    · Two months of all bank statements 

Click to Download an application

Applications will be reviewed on a first come, first served basis. Once an application is received, the City’s Housing Rehab Coordinator will schedule a home inspection to prepare a rehab estimate. If the cost estimate suggests the rehab can be done within the program budget, the City will request bids from private contractors. The homeowner will work with the City to choose the contractor.

This program is administered by the City of Battle Creek Community Development Division through the Federal HOME Investment Partnership funding provided by U.S. Department of Housing and Urban Development (HUD).

Contact: Mackenzie Scholte, Community Development Specialist at 966-3364 or email, mdrosenberg-scholte@battlecreekmi.gov