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Lake, Indiana · Loan

Hammond Homeowner Emergency Repair Program

Run by City of Hammond Department of Planning and Development, Community Development

Hammond homeowners facing an emergency, such as a furnace that has failed in cold weather, broken pipes or an electrical hazard, can get up to $5,000 from the city as a loan; households at or below 80% of the income limits get a deferred loan with no payments. First come, first served.

Open Checked Oct 27, 2026

Amounts

How much you get

Up to $5,000 per homeowner, paid directly to the contractor (more only in special circumstances with Redevelopment Commission approval). It's a loan: households at or below 80% of the income limits get a deferred loan with a lien and no interest; the city's housing page describes 1 to 5 year loans at 3% otherwise.

Eligibility

Do I qualify?

You need to meet all 6 of these.

  • Your home is in Lake, Indiana.

  • The home must be in the City of Hammond.

  • You must own and live in a one-unit home; contract purchases aren't eligible.

  • One-unit residences only.

  • Homes with delinquent taxes, no insurance, non-medical judgments or a foreclosure aren't eligible, and repairs your insurance covers aren't eligible. A credit score below 580 may lead to denial.

  • You must meet the program's income-by-family-size guidelines.

Applying

How to apply

You apply in person.

  1. Call for loan availability.

    Hammond Redevelopment Department, 853-6371 (area code 219).

  2. Fill out the application and interview with the Loan Officer.

    Bring income documents, ID, proof of insurance, deed or mortgage and a tax receipt.

  3. Credit check and income determination.
  4. Inspection and contractor selection.

    The Rehabilitation Inspector confirms the emergency, writes the scope and gets proposals from approved contractors.

  5. Sign the contract and mortgage.

    The city pays the contractor after the work passes inspection.

What you'll need

  • Signed IRS 1040 and W-2s, pay stubs, Social Security benefits, bank statements

  • Driver's license or state ID

  • Proof of property insurance

  • Deed or mortgage

  • Real estate tax receipt

Forms and instructionsCity of Hammond Homeowner Emergency Repair Program guidelines

Questions about applying853-6371

Your address

Next steps

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

FAQ

Questions

How much does Hammond Homeowner Emergency Repair Program pay?

Up to $5,000 loan.

Do renters qualify?

You must own and live in a one-unit home; contract purchases aren't eligible.

Is it still available?

Yes. It was open when we last checked, on October 27, 2026.

References

Sources

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

  1. City of Hammond Community Development: Housinggohammond.com · Read Oct 27, 2026 · Re-checked weekly
  2. City of Hammond Homeowner Emergency Repair Program guidelinesgohammond.com · Read Oct 27, 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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