Lake, Illinois · Loan
Waukegan Housing Rehabilitation Program
Run by City of Waukegan CDBG Office
No-interest deferred loans for income-qualified Waukegan homeowners. Emergency repairs, such as a dangerous furnace or leaking roof, are handled right away; substantial rehabilitation to code is done from a waiting list.
Amounts
How much you get
A no-interest deferred loan; the page gives no maximum. Payment is not due until the sale of the property or refinancing, and repayment after 5 years is reduced to 50% of the deferred loan.
Eligibility
Do I qualify?
You need to meet all 6 of these.
Your home is in Lake, Illinois.
Waukegan resident who lives in the home; the applicant cannot own any other properties.
Owner-occupied for at least 1 year.
Single-family housing unit; two-flats are not eligible.
Payments must be current on mortgage, property taxes and homeowner insurance.
What to doBring mortgage, property tax and homeowner insurance payments up to date.
Must be income qualified under HUD and local CDBG guidelines. The page posts 2026 Lake County income limits (extremely low, very low and low income up to 80% of median family income) but does not say which tiers qualify.
Equipment
What equipment counts
Applying
How to apply
You apply in person. Get approved before you buy anything.
- Submit a Housing Rehab Pre-Screening Intake Form.
Available on the program page and at the CDBG Department, Waukegan City Hall, 3rd floor.
- Wait for your name to reach the top of the waiting list.
Emergency repairs are addressed immediately; substantial rehab follows the waiting list.
- Complete the full application.
It is mailed to you once you reach the top of the list; staff review it for eligibility.
- Provide proof of homeownership, income, mortgage and property insurance.
Questions about applying(847) 599-2530
Stacking
Use it with
Your address
Next steps
Check that it covers your address. This program has to approve you before you buy anything, so start with the program, not a contractor quote.
Is it available at your address?
Before anything else
Bring mortgage, property tax and homeowner insurance payments up to date.
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 Waukegan Housing Rehabilitation Program pay?
A no-interest deferred loan; the page gives no maximum. Payment is not due until the sale of the property or refinancing, and repayment after 5 years is reduced to 50% of the deferred loan.
Is there an income limit?
Must be income qualified under HUD and local CDBG guidelines. The page posts 2026 Lake County income limits (extremely low, very low and low income up to 80% of median family income) but does not say which tiers qualify.
Do renters qualify?
Waukegan resident who lives in the home; the applicant cannot own any other properties. Owner-occupied for at least 1 year.
Do I need approval before I buy?
Yes. Apply before you buy or install anything; purchases made first don’t qualify. Payments must be current on mortgage, property taxes and homeowner insurance. Bring mortgage, property tax and homeowner insurance payments up to date.
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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