Cook, Illinois · Loan
Single-Family Rehabilitation Loans
Run by Village of Oak Park Neighborhood Services Department
Zero-interest loans for income-qualified Oak Park owners of single-family homes, for code, health and safety repairs and weatherization (up to $25,000, deferred 20 years) or emergencies such as furnace replacement (up to $5,000).
Amounts
How much you get
Two no-interest loan types. The amount depends on which of these fits your install.
| What you install | You get |
|---|---|
| No-interest loan (low-income owners), repayable after 20 yearsDeferred-payment | N/A |
| Repayable after five yearsEmergency no-interest loan | N/A |
Eligibility
Do I qualify?
You need to meet all 5 of these.
Your home is in Cook, Illinois.
The home must be in the Village of Oak Park.
You must own and live in the home.
Single-family houses.
Household income within HUD's Chicago-area income limits (the Village publishes the table in its income limits PDF).
Equipment
What equipment counts
Applying
How to apply
You apply online.
- Check the income limits and program guidelines.
- Apply online.
- Village reviews eligibility and the work needed.
- Repairs completed; loan secured on the home.
Questions about applying708.358.5410 or housing@oak-park.us
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 Single-Family Rehabilitation Loans pay?
Up to $25,000.
Is there an income limit?
Household income within HUD's Chicago-area income limits (the Village publishes the table in its income limits PDF).
Do renters qualify?
You must own and live in the home.
Is it still available?
Yes. It was open when we last checked, on October 27, 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
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Cook, Illinois
Climate Ready Energy Grants
Up to $20,000
Oak Park homeowners can get a grant of $2,500 to $20,000, depending on household income, for 2026 energy upgrades such as insulation, heat pumps, heat pump water heaters, panel upgrades, EV chargers and solar.
Checked Oct 27, 2026
Cook, Illinois
Housing Rehabilitation Program (Evanston)
Amount varies
Evanston homeowners under 80% of area median income can get help, usually as 0% interest deferred loans, for health, safety and accessibility repairs, work that extends the life of the home, and energy conservation.
Checked Oct 27, 2026
All of Illinois
Illinois Home Weatherization Assistance Program (IHWAP)
Up to $20,000
Free weatherization for Illinois households at or below 200% of the federal poverty level, through local Community Action Agencies. Air sealing, insulation, heating and water heater repair or replacement, and health and safety fixes, up to $20,000 per home.
Checked Oct 27, 2026