City of Racine Housing Repair Program

City of Racine Department of City Development

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Homeowner Repair Loan Qualifications

Who Qualifies?

Many homeowners within Racine qualify for a homeowner repair loan.

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


Current with mortgage payments.


Current with property taxes.


Have valid current property insurance.


Property is within the City of Racine city limits. (Other county residents are not eligible.)


Within annual published HUD household income guidelines.

In agreement with program funding rules.

To be eligible for the Housing Repair Program your income must fall within the appropriate household size. All household income will be verified using the last 3 years of tax returns, wage stubs, etc.

HOUSEHOLD SIZE 1 person 2 persons 3 persons 4 persons 5 persons 6 persons
30% Income $20,450 $23,400 $26,300 $31,200 $36,580 $41,960
50% Income $34,100 $38,950 $43,800 $48,650 $52,550 $56,450
80% Income $54,500 $62,300 $70,100 $77,850 $84,100 $90,350
Income updated per HUD: April 9, 2024

There is a $325. non-refundable application fee.  $100. due at submission, remaining $225. is due at closing.


Homeowner Repair Loans

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