Dallas County, Iowa · Loan
Dallas County Local Housing Trust Fund Owner-Occupied Rehabilitation Program
Run by Dallas County Local Housing Trust Fund (administered by Mid-Iowa Planning Alliance)
Low-income homeowners anywhere in Dallas County can get a 0% five-year forgivable loan of up to $15,000 for repairs such as roofs, heating, insulation, windows and siding.
Amounts
How much you get
A no-interest forgivable loan from $500 up to $15,000, recorded as a five-year mortgage that is forgiven in equal parts over the five years; repaid only if you sell within five years.
Eligibility
Do I qualify?
You need to meet all 5 of these.
Your home is in Dallas County, Iowa.
Household income at or below 80% of the area median income, using the State Housing Trust Fund income limits (table by household size).
People in your home Income at or below 1 $90,400 2 $90,400 3 $103,960 4 $103,960 5 $103,960 6 $104,900 7 $112,100 8 $119,350 You must own the home and live in it as your primary residence. Homes bought on contract are not eligible.
Single-family homes, condominiums or townhouses taxed as real property.
Property taxes, mortgage payments and homeowner's insurance must be current.
Equipment
What equipment counts
Applying
How to apply
Follow these steps.
- Gather documents.
Mortgage statement, homeowner's insurance, bank statements, income documentation and your latest federal tax return.
- Apply online or by mail.
Apply through MIPA's Neighborly portal, or mail the paper application to the trust fund at 939 Office Park Road, Suite 306, West Des Moines.
- Eligibility review and repairs.
MIPA reviews the application; approved work is paid by the program as a forgivable loan.
Forms and instructions, including for applying by mailMid-Iowa Planning Alliance: Dallas County Local Housing Trust Fund · Dallas County Local Housing Trust Fund: overview and application
Questions about applying(515) 304-3524 or housing@midiowaplanning.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 Dallas County Local Housing Trust Fund Owner-Occupied Rehabilitation Program pay?
Up to $15,000 loan.
Is there an income limit?
Household income at or below 80% of the area median income, using the State Housing Trust Fund income limits (table by household size).
Do renters qualify?
You must own the home and live in it as your primary residence. Homes bought on contract 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.
- Mid-Iowa Planning Alliance: Dallas County Local Housing Trust Fund
- Dallas County Local Housing Trust Fund: overview and application
When one of these pages changes, we re-check this page against it.
Nearby
More in Iowa
All of Iowa
Low-Income Home Energy Assistance Program (LIHEAP)
Up to $800
One-time help of $80 to $800 toward winter heating bills for Iowa households at or below 200% of the federal poverty level, plus crisis help such as furnace repair or replacement for homeowners. Apply at your county's Community Action Agency through April 30.
Checked Oct 28, 2026
All of Iowa
Weatherization Assistance Program
Work done at no cost
Free energy efficiency and safety upgrades, such as attic and wall insulation, air sealing and furnace work, for Iowa homeowners and renters with income at or below 200% of the federal poverty level. Apply at your county's Community Action Agency.
Checked Oct 28, 2026
Heartland Power Cooperative customers, Iowa
2026 Energy Efficiency and Conservation Incentives
Up to $1,000 back
Heartland Power Cooperative members get 2026 rebates of $25 to $1,000 on ENERGY STAR appliances, appliance recycling, water heaters, heat pumps ($200 to $400 per ton), windows, smart thermostats, EV chargers and audit-recommended improvements.
Checked Oct 28, 2026