Detroit 0% Interest Home Repair Loan
City of Detroit / LISC Detroit
About This Program
Detroit's flagship 0% interest home repair loan program, running since 2015. Loans of $5K-$25K repaid over 10 years with no interest. Covers roofs, windows, plumbing, electrical, furnace, lead removal, structural repairs. Requires 560+ credit score, DTI under 45%, 6+ months ownership, current on taxes and insurance. After a decade serving 800+ homeowners, this program winds down June 2026. 14,000 people are on the waitlist. If you can't get in, see the Critical Home Repair Program and Detroit Home Repair Fund.
560+ credit score, below 80% AMI or in HUD target area
The cited general URL responded on 2026-07-21; it does not confirm this program or amount.
Record set last reviewed 2026-04-01. How we verify our data.
Other published resources for Detroit, MI, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- Critical Home Repair Program 100% free (no cost to homeowner)
- Detroit Home Accessibility Program Free accessibility modifications
- Senior Accessibility Home Repair Fund Free safety and accessibility repairs
- Stellantis Home Repair Program (Phase 3) Free repairs, area-restricted
Key Details
- 0% interest, 10-year repayment period
- Min 560 credit score, max 45% debt-to-income ratio
- Must own and live in Detroit home 6+ months
- PROGRAM ENDING JUNE 2026, 14,000-person waitlist
- Covers roofs, windows, plumbing, furnace, electrical, lead removal
How to Apply
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Detroit.
Get matched with a contractorEach administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Your application paperwork
Documents you will likely need
- Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
- A government-issued photo ID for every owner on title.
- Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
- A written estimate from a licensed contractor for the work (many programs require this to apply).
- Photos of the problem area or the work to be done.
- The program's own application form, completed (use the official link or phone number on this page).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: ENDING JUNE 2026, 14,000-person waitlist; apply immediately or seek alternatives
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Find More Programs in Detroit, MI
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