City of Racine Housing Repair Program

City of Racine Department of City Development

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Homeowner Repair Loans

Homeowner Repair Loans

Repairs are done to improve the condition of your home.  It can fix problems with your house like a leaking roof, failing porches, and peeling lead-based paint.  The City of Racine Department of City Development offers homeowners home repair loans at low-interest rates and flexible terms to address housing maintenance issues.

The City of Racine Housing Repair Program provides project loans from $3,000-$50,000 per property for home repairs that meet City and State codes and home repair standards.  Fixed interest rates range from 1% to 5% for a term of up to 20 years.

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*, property taxes, and property insurance.
Within the City of Racine city limits. (Other county residents are not eligible.)
Within 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.


1 person

2 persons

3 persons

4 persons

5 persons

6 persons

30% Income







50% Income







60% Income







80% Income







Homeowners with mortgages are eligible as long as the ratio of the loan to home value is 120% or less. For example, a homeowner with a house valued at $100,000 who owes $110,000 on a mortgage can still borrow up to $10,000 for repair work.

There is a $300 application fee for Home Repair loans.


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