Elkhart, Indiana · Loan
Elkhart Owner Occupied Rehabilitation Program
Run by City of Elkhart Development Services, Community Development
Low- to moderate-income Elkhart homeowners can get zero percent interest forgivable loans for repairs to roofs, heating and cooling, water heaters, electrical and plumbing, plus energy efficiency improvements like siding, insulation and doors.
Amounts
How much you get
Zero percent interest forgivable loans for the needed repairs. The city's pages don't state a maximum.
Eligibility
Do I qualify?
You need to meet all 6 of these.
Your home is in Elkhart, Indiana.
The property must be in the City of Elkhart.
You must own and live in the home as your primary residence for at least 18 months, with your name on the deed and clear title.
Single-family homes only; no mobile homes.
Property taxes, mortgage and home insurance must be current.
Total gross household income at or below 80% of area median income, for example $71,900 for a household of 4.
People in your home Income at or below 1 $50,350 2 $57,550 3 $64,750 4 $71,900 5 $77,700 6 $83,450 7 $89,200 8 $94,950
Equipment
What equipment counts
Applying
How to apply
Follow these steps.
- Complete the pre-screening questionnaire or call.
Use the city's online questionnaire or call the Community Development Specialist at 574-294-5471 x3104.
- Submit the rehab application with documents.
Deed, proof of paid taxes and home insurance, expenses worksheet, and income and asset verification.
- Inspection and repairs.
Only the repairs are brought to rehabilitation standards; it isn't a remodeling program.
Deed
Proof of paid taxes
Proof of home insurance
Monthly expenses worksheet
Verification of assets, employment, pensions, public assistance, child support and Social Security
Forms and instructionsCity of Elkhart: Owner-Occupied Rehabilitation Program highlights · City of Elkhart: Owner Occupied Rehabilitation Program brochure (PY2026)
Questions about applying574-294-5471 x3104
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 Elkhart Owner Occupied Rehabilitation Program pay?
Zero percent interest forgivable loans for the needed repairs. The city's pages don't state a maximum.
Is there an income limit?
Total gross household income at or below 80% of area median income, for example $71,900 for a household of 4.
Do renters qualify?
You must own and live in the home as your primary residence for at least 18 months, with your name on the deed and clear title.
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.
- City of Elkhart: Owner-Occupied Rehabilitation Program highlights
- City of Elkhart: Owner Occupied Rehabilitation Program brochure (PY2026)
When one of these pages changes, we re-check this page against it.
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