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Pottawattamie, Iowa · Loan

Council Bluffs Affected Properties Home Improvement Program

Run by City of Council Bluffs, Community Development

Council Bluffs homeowners at or below 80% of area median income can get forgivable, forbearance or interest-free installment loans, up to $24,950 in total, for exterior and system repairs such as windows, doors, roofs, siding, electrical, plumbing and mechanical systems.

Open Checked Oct 28, 2026

Amounts

How much you get

Loans up to $24,950 in total. Depending on income you may get a $10,000 or $15,000 forgivable loan (repaid only if you sell or move within five years). Forbearance loans are repaid when the home is sold or transferred. Interest-free installment loans are 0% with payments over 5 to 10 years.

Eligibility

Do I qualify?

You need to meet all 4 of these.

  • Your home is in Pottawattamie, Iowa.

  • Household income at or below 80% of area median income (1 person $63,850 up to 8 people $120,400); income of everyone age 18 or older counts.

    People in your homeIncome at or below
    1$63,850
    2$73,000
    3$82,100
    4$91,200
    5$98,500
    6$105,800
    7$113,100
    8$120,400

  • Owner-occupant of a single-family home for at least 6 months, in Council Bluffs, on a permanent foundation or concrete slab, with a clear title and no liens or judgments.

  • Current on all real estate taxes and sanitation fees.

Applying

How to apply

Follow these steps.

  1. Check eligibility.

    Contact Ryan Ossell at (712) 890-5353 to determine your eligibility.

  2. Apply.

    If you qualify, complete the Owner-Occupied Housing Rehabilitation application linked on the page. There may be a waitlist.

Questions about applying(712) 890-5353

Your address

Next steps

Check that it covers your address. Then, if you want, ask for a contractor quote.

FAQ

Questions

How much does Council Bluffs Affected Properties Home Improvement Program pay?

Up to $24,950 loan.

Is there an income limit?

Household income at or below 80% of area median income (1 person $63,850 up to 8 people $120,400); income of everyone age 18 or older counts.

Do renters qualify?

Owner-occupant of a single-family home for at least 6 months, in Council Bluffs, on a permanent foundation or concrete slab, with a clear title and no liens or judgments.

Is it still available?

Yes. It was open when we last checked, on October 28, 2026.

References

Sources

This page is built from these official pages, run by the program itself.

  1. Affected Properties Home Improvement Program - City of Council Bluffscouncilbluffs-ia.gov · Read Oct 28, 2026 · Re-checked monthly

When one of these pages changes, we re-check this page against it.

Report a problem with this page

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