• Community Development

Dyann Benson, AICP
Community Development Director

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Departments / Community Development / Housing Rehabilitation

Housing Rehabilitation

The Housing Rehabilitation Loan Program provides low to moderate income households in the City with financial and related technical assistance for the rehabilitation of owner-occupied and renter-occupied homes.

Loan Qualifications

To qualify for a loan, the property must be an owner-occupied single family residence, an owner-occupied two, three or four family residence, or a rental with four or less units, and located within the city limits of Fond du Lac. For owner-occupied properties, the owner (s) must reside in the home on a permanent year round basis and hold title to the property. Gross income limits apply.

Loan Repayment

For owner-occupied homes the loan amount is placed as an additional mortgage on the property and recorded with the Register of Deeds. The loan is repaid (no interest) when the owner(s) sell, transfer, lease or vacate the home. For rental properties loan repayment begins 6 months after the loan closing.

Eligible Property Improvements

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

Gross Income Limits

To qualify for a loan, participants 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









Income Limit         80% CMI

$ 40,750

$ 46,550

$ 52,350

$ 58,150

$ 62,850

$ 67,500

$ 72,150

$ 76,800

Income Limit        50% CMI

$ 25,450

$ 29,100

$ 32,750

$ 36,350

$ 39,300

$ 42,200

$ 45,100

$ 48,000

To determine if you qualify for the program, please contact Merry Arndt, Community Development Specialist, at (920) 322-3445. (Income limits established as of April 1, 2018)

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