Polk, Iowa · Loan
Metro Home Improvement Program (MHIP)
Run by Mid-Iowa Planning Alliance (MIPA), for eight metro cities
Homeowners in Ankeny, Altoona, Bondurant, Grimes, Polk City, Urbandale, West Des Moines and Windsor Heights with income at or below 80% of the area median income can get a 0% five-year forgivable loan of up to $16,820 for repairs such as roofs, heating, insulation, windows and siding. Only a few homes per city are funded each period; others go on a waiting list.
Amounts
How much you get
A no-interest forgivable loan from $500 up to $16,820, recorded as a five-year mortgage that is forgiven in equal parts over the five years. It is only repaid if you sell within five years.
Eligibility
Do I qualify?
You need to meet all 5 of these.
Your home is in Polk, Iowa.
Household income at or below 80% of the area median income (limits by household size from the 2025 program overview).
People in your home Income at or below 1 $64,150 2 $73,300 3 $82,450 4 $91,600 5 $98,950 6 $106,300 7 $113,600 8 $120,950 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. Mobile homes, duplexes and rentals are not eligible.
Assessed value (land and building) at or below $300,000; property taxes, mortgage payments and homeowner's insurance current.
Equipment
What equipment counts
Applying
How to apply
You apply online.
- Gather documents.
Mortgage statement, homeowner's insurance, bank statements, income documentation for adults and your latest federal tax return.
- Apply online.
Apply through MIPA's Neighborly portal, or call (515) 304-3524 for help.
- Wait for funding.
Each city can assist three to four homeowners per funding period; others are placed on a waiting list.
- Repairs.
Home, Inc. is the program's general contractor.
Mortgage statement
Homeowner's insurance
Bank/financial statements
Income documentation for household members over 18
Current federal income tax return
Forms and instructionsMid-Iowa Planning Alliance: Metro Home Improvement Program · Metro Home Improvement Program overview (2025 income limits) · City of Ankeny: Metro Home Improvement Program · City of Altoona: Metro Home Improvement Program
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 Metro Home Improvement Program (MHIP) pay?
Up to $16,820 loan.
Is there an income limit?
Household income at or below 80% of the area median income (limits by household size from the 2025 program overview).
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: Metro Home Improvement Program
- Metro Home Improvement Program overview (2025 income limits)
- City of Ankeny: Metro Home Improvement Program
- City of Altoona: Metro Home Improvement Program
When one of these pages changes, we re-check this page against it.
Nearby
More in Iowa
Polk, Iowa
Invest DSM Homeowner Renovation Program
Amount varies
Homeowners in Des Moines' Special Investment Districts can get a matching grant of up to $75,000 covering 20% to 50% of a renovation that includes exterior work such as roofs, windows, siding or doors. No income or credit limits; approval is needed before any work starts.
Checked Oct 28, 2026
Polk County, Iowa
Polk County Emergency Home Repair Program
Up to $12,000
Polk County repairs urgent problems in owner-occupied homes and mobile homes for households at or below 80% of the area median income, at no cost or a small contribution: up to 20% of the home's assessed value or $12,000 (lifetime), and up to $2,500 for mobile homes.
Checked Oct 28, 2026
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