Black Hawk, Iowa · Grant
Waterloo Housing Emergency Repair Program
Run by City of Waterloo Community Development
Waterloo homeowners below 80% of the area median income can get a grant, a loan or both for costly repairs that pose an immediate threat to health or safety. The amount depends on the repair and household income.
Amounts
How much you get
A grant, loan or combination, set by the cost of the repair and the household's income compared with the area median income. The page gives no maximum.
Eligibility
Do I qualify?
You need to meet all 4 of these.
Your home is in Black Hawk, Iowa.
Household income below 80% of the area median income (CDBG/HOME limits effective 6/1/2026).
People in your home Income at or below 1 $52,750 2 $60,250 3 $67,800 4 $75,300 5 $81,350 6 $87,350 7 $93,400 8 $99,400 You must hold the deed and have owned the home for at least one year, and live in it. Contract buyers are not eligible.
Inside Waterloo city limits, not in the flood zone, with mortgage and taxes current.
Equipment
What equipment counts
Applying
How to apply
You apply online.
- Register and apply online.
New users register for an account on the city's Neighborly portal, then apply. A printable brochure is on the program page.
- Review.
The city sets the grant/loan mix from the repair cost and your income.
Forms and instructionsCity of Waterloo: Housing Emergency Repair Program
Questions about applying(319) 291-4429 or comdev@waterloo-ia.org
Stacking
Use it with
Your address
Next steps
Check that it covers your address. Then, if you want, ask for a contractor quote.
Is it available at your address?
Before anything else
Your quote request is in If a contractor we work with serves your ZIP, they can contact you. We take one request per person; contact us to change it.
Get an email if this program changes
We'll write if its amount, status or deadline changes. Nothing else.
FAQ
Questions
How much does Waterloo Housing Emergency Repair Program pay?
A grant, loan or combination, set by the cost of the repair and the household's income compared with the area median income. The page gives no maximum.
Is there an income limit?
Household income below 80% of the area median income (CDBG/HOME limits effective 6/1/2026).
Do renters qualify?
You must hold the deed and have owned the home for at least one year, and live in it. Contract buyers are not eligible.
Is it still available?
Yes. It was open when we last checked, on October 28, 2026.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
When one of these pages changes, we re-check this page against it.
Nearby