No-interest home repair loans available in Clark County

Many homeowners do not realize that Community Development Block Grant funds are available to help make repairs to their homes.

The CDBG Home Repair Program, administered by Chippewa County Housing Authority, offers loans at no interest to income eligible homeowners for necessary repairs.

Loans are available for properties located in the West Central Wisconsin Housing Region which includes: Barron, Buffalo, Chippewa, Clark, Dunn, Eau Claire, Pepin, Pierce, Polk and St. Croix Counties.

Income limits vary by county. In Clark County, a two-person household with an annual income up to $45,350 is eligible. Four-person households with income up to $56,500 are eligible.

There is no interest on the loan and there are no monthly payments. The homeowner/estate pays back only what they borrowed when they no longer occupy the home as their primary place of residence (sell or move out of the home).

The loans are available for necessary home repairs including, but not limited to: replacing siding, windows, doors, furnaces water/sewer laterals from the curb to the house, replacing septic systems and wells, upgrading plumbing, heating and electric systems, installing insulation, repairing foundations, and making a home accessible for a member who has a disability.

Funds cannot be used for general remodeling such as updating decor. The loan must be approved prior to the work being started; a family cannot be reimbursed for work already completed.

Repairs to mobile homes are eligible if the owner also owns the land beneath the mobile home. Mobile homes in mobile home parks are not eligible.

“This program helped us obtain funding for a replacement of a failed septic system when we were unable to personally afford it,” one Clark County resident stated.

Another Clark County resident stated: “[The program] helped me when I needed repair and took a heavy burden off my shoulders.”

To apply for the program or obtain more information email housingauthority@co.chippewa.wi.us or contact Laura Rushman at the Chippewa County Housing Authority at 715-726-7801