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Home Repair

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​Home Repair and Improvement

Home Repair Program

Zero-interest, forgivable deferred payment loans are provided to make home repairs for owner-occupant homeowners. The program is available for owner-occupants who meet income eligibility criteria (80% of area median income), whose home repair needs are within the program's funding limits and whose property tax payments are current. Home Repair program assistance is available citywide, and is designed to address health and safety needs such as plumbing, heating, electrical and roof replacement. Loans may not exceed $5,000, and are forgiven after a period of five years, provided the assisted homeowner does not sell the home or transfer ownership. Assisted homeowners must also continue to occupy the home as their principal residence for the entire five-year period. Additional programs are available for more extensive home repairs. Lead-based paint regulations apply.

How to Apply

Please call 316-462-3713. Home Repair currently is accepting a limited number of applications for em​ergency repairs that affect immediate health and life-safety concerns. At this time, all other project types, including non-critical water and sewer projects, will be held until additional funding is available. Projects currently being accepted include:

  • Water service line issues that prevent delivery of running water
  • Sewer issues in which raw sewage is present and presents an immediate health concern
  • Gas service line leaks 


​Low-Interest Loans for Home Rehabilitation and Improvement

Home Improvement Loan Program

The City of Wichita works with local lenders to provide low-interest rehabilitation loans for owner-occupants of residential dwellings. Program funding is used to "buy-down" home equity loan interest rates in order to make loan payments affordable. The program is available citywide. Household income may not exceed 80% of the area family median income. Applicants must be credit worthy and have the ability to repay the loan. The maximum loan is $15,000, provided there is sufficient equity. The maximum loan term is 10 years.

How to Apply

The application period for the Home Improvement Loan Program is currently closed.

​Rental Rehab Loan Program

This program is designed to provide low-interest installment loans to owners of eligible residential rental housing citywide. If the property owner is considered to be low-income, a loan amount equivalent to 100% of the cost of rehabilitation may be provided, up to a maximum of $15,000 per unit, not to exceed $45,000 per building for multi-family properties, or $20,000 for individual single-family properties. If the property owner is not considered to be low-income, a loan amount equivalent to 75% of the total cost of rehabilitation may be provided. Loans may be provided to correct substandard conditions, make essential improvements, repair major systems in danger of failure, undertake improvements related to energy efficiency, and to improve accessibility. Multi-family properties may contain no more than a total of seven units. Upon completion, the entire housing structure must comply with the minimum housing code.

Additional financing, in the form of a zero interest deferred payment loan may be provided to address lead-based paint requirements. This loan is due and payable upon sale of the property or transfer of ownership.

Tenants must not be displaced. Property owners must agree to lease completed units to individuals and/or families with incomes less than 80% of the area median income for a period of one year. Monthly rent plus utilities may not exceed 30% of the tenant/occupant's gross monthly income, upon occupancy.

Applicant property owners must have sufficient equity in the property. Applicants must have a credit history free of delinquent credit obligations, late payments, charge-offs, and loan default occurences. The applicant's credit score must be 640 or greater, and the real estate taxes payments on the subject property must be current.

How to Apply

The application period for the Rental Rehab Loan Program is currently closed.

​Historic Loan Program

Through the Historic Loan Program, low-interest installment loans are provided for the preservation, restoration, and rehabilitation of historically and architecturally significant structures located within the City of Wichita.

To qualify, the property must be designated and listed as a landmark by the local, state, or national historic register, or be a contributing structure in a residential district, or be within the 1919 city limits. Call the Metropolitan Area Planning Department for more information. Be sure to have the exact property address available. The loan applicant must also be the owner of the property or must be purchasing the property on a valid land sale contract.

Historic loans can be extended to private individuals and/or entities, including for-profit or non-profit organizations.

Upon completion, the entire housing structure must comply with the minimum housing code.

Additional financing, in the form of a zero interest deferred payment loan may be provided to address lead-based paint requirements. This loan is due and payable upon sale of the property or transfer of ownership.

Tenants must not be displaced. Property owners must agree to lease completed units to individuals and/or families with incomes less than 80% of the area median income for a period of one year. Monthly rent plus utilities may not exceed 30% of the tenant/occupant's gross monthly income, upon occupancy.

Property owners must have sufficient equity in the property.

How to Apply

Contact the Metropolitan Area Planning Department for more information.

P: (316)-268-4421