Webster County, Iowa · Loan
Heart of Iowa Regional Housing Trust Fund home repair
Run by Heart of Iowa Regional Housing Trust Fund
Low-income owner-occupants in Calhoun, Hamilton, Humboldt, Pocahontas, Webster and Wright counties can get up to $15,000 as a 5-year forgivable loan for code repairs, lead hazard reduction, energy efficiency and accessibility work.
Amounts
How much you get
Up to $15,000 per household as a 5-year forgivable loan, with 20% forgiven in equal steps over the term, secured by a mortgage. If you sell or move before 5 years, funds are recaptured based on the percentage of the loan balance remaining.
Eligibility
Do I qualify?
You need to meet all 4 of these.
Your home is in Webster County, Iowa.
Household income at or below the state Housing Trust Fund limit: $49,900 for 1 or 2 people, $57,385 for 3 to 7 people (preferred applicants are lower).
People in your home Income at or below 1 $49,900 2 $49,900 3 $57,385 4 $57,385 5 $57,385 6 $57,385 7 $57,385 Owner-occupied single-family home (not mobile, not bought on contract, no life estates) in habitable condition, held under a county-recorded deed and used as your primary residence.
Liquid assets under $25,000, property taxes and city utilities current, and current on any mortgage.
Equipment
What equipment counts
Applying
How to apply
Follow these steps.
- Apply.
Use the Heart of Iowa Application (PDF) linked on the page and supply documentation to verify the application.
- Get a quote.
Obtain at least one quote for the proposed work; an initial inspection verifies the work needed.
- Repairs and payment.
After the final inspection is approved, the contractor is paid directly from the fund.
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 Heart of Iowa Regional Housing Trust Fund home repair pay?
Up to $15,000 loan.
Is there an income limit?
Household income at or below the state Housing Trust Fund limit: $49,900 for 1 or 2 people, $57,385 for 3 to 7 people (preferred applicants are lower).
Do renters qualify?
Owner-occupied single-family home (not mobile, not bought on contract, no life estates) in habitable condition, held under a county-recorded deed and used as your primary residence.
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.
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