Douglas, Kansas · Loan
Lawrence CDBG Emergency Repair Loan
Run by City of Lawrence Planning & Development Services, Housing Initiatives Division
Lawrence homeowners with income at or below 80% of area median can get a no-interest, no-payment loan of up to $24,000, forgiven over 5 years, to fix urgent hazards such as a failed furnace or A/C, water heater, plumbing, electrical or roof.
Amounts
How much you get
A no-interest, no-payment loan of up to $24,000, with up to 100% forgiven over 5 years. Lifetime program help is capped at $60,000 per applicant or home.
Eligibility
Do I qualify?
You need to meet all 6 of these.
Your home is in Douglas, Kansas.
You must have owned and lived in the home for at least 1 year before applying, and it must be inside Lawrence city limits.
The home can have no more than two dwelling units. Mobile homes aren't eligible.
Household gross income at or below 80% of area median, for example $88,300 for a household of 4.
People in your home Income at or below 1 $61,850 2 $70,650 3 $79,500 4 $88,300 5 $95,400 6 $102,450 7 $109,500 8 $116,600 Property taxes and mortgage payments must be current.
What to doBring property taxes and mortgage payments current before applying.
You need a minimum of three contractor bids with the application.
What to doGet three contractor bids and include them with your application. Homeowners can't do the work themselves.
Equipment
What equipment counts
The program sets these minimums for furnaces, ac and thermostats.
- Furnaces
Replacement heating and cooling must be an approved energy-efficient appliance; portable units aren't allowed. A whole-house duct system is an allowable cost.
Applying
How to apply
Get approved before you buy anything.
- Download the application packet.
It's linked from the Housing Assistance Programs page.
- Get three contractor bids.
Include at least three bids with the application, or a letter naming the contractors you contacted who didn't respond.
- Submit the application with all documents.
Email housinginitiatives@lawrenceks.gov, bring it to City Hall (6 E 6th St), or mail it to P.O. Box 708, Lawrence, KS 66044. Emergency Repair applications are reviewed as they arrive.
- Meet the Program Administrator and schedule the inspection.
- Sign the mortgage note.
The loan is secured by a mortgage for the amount of help you receive.
- Work begins after the Notice to Proceed.
The city pays the contractor directly after the work is inspected.
Forms and instructions, including for applying by mailCity of Lawrence: CDBG Homeowner Housing Rehabilitation Program Application Packet · City of Lawrence: CDBG Homeowner Housing Rehabilitation Program Policies & Procedures (2025)
Questions about applying(785) 832-7700 or housinginitiatives@lawrenceks.gov
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
Get three contractor bids and include them with your application. Homeowners can't do the work themselves.
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 Lawrence CDBG Emergency Repair Loan pay?
Up to $24,000 loan.
Is there an income limit?
Household gross income at or below 80% of area median, for example $88,300 for a household of 4.
Do renters qualify?
You must have owned and lived in the home for at least 1 year before applying, and it must be inside Lawrence city limits.
Do I have to use a contractor?
Yes. You need a minimum of three contractor bids with the application.
Do I need approval before I buy?
Yes. Apply before you buy or install anything; purchases made first don’t qualify.
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.
- City of Lawrence: Housing Assistance Programs
- City of Lawrence: CDBG Homeowner Housing Rehabilitation Program Application Packet
- City of Lawrence: CDBG Homeowner Housing Rehabilitation Program Policies & Procedures (2025)
When one of these pages changes, we re-check this page against it.
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