Home Repair

Free Paint

Is your home ready for a fresh coat of paint? This program provides assistance to homeowners to update and preserve their property with a fresh coat of paint. The paint is free and homeowners can choose the color of paint from a wide selection. The paint is available on a first-come, first-served basis, between April 1 and September 15, subject to funding availability.

To qualify for the free paint:

1. The house must be located within the City of Wichita.
   
2. Eligible household income must not exceed eighty percent (80%) of median income.
   
3. The house must be owner-occupied, and real estate taxes must be paid current.
   
4. The owner must apply the paint to the structure within six months of receiving it.
   
5. Senior citizens, 62 years of age or older, may qualify for labor grants, provided they are owner occupants and provided funding is available.
   

Historic Loan

The Historic Loan Program provides financial assistance 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 property's exact address available. The loan applicant must also be the owner of the property or purchasing on a valid land sale contract.

Historic Loans can be made to private individuals and/or entities, including profit and non-profit organizations.

Emergency Home Repair

Zero-interest, forgivable deferred loans are provided to make emergency home repairs for owner-occupied properties. It is available for homeowners who meet income eligibility criteria (60% of area median income), whose home repair needs are within the program's funding limits and who are current on property taxes. Emergency 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. Additional programs are available for more extensive home repairs.

Low-Interest Home Improvement

Deferred Loan Program

The Deferred Loan Program provides financial assistance to completely rehabilitate an owner-occupied residential dwelling unit.

To qualify:

1. The property must be located within the neighborhood revitalization area and be owner occupied.
   
2. Eligible household income must not exceed 50% of the Area Median Family Income (AMFI).
   
3. The maximum amount of assistance is $35,000 or a lesser amount which will bring the structure into compliance with the Minimum Housing Code. If the structure cannot be brought into compliance with Deferred Loan Program funds, no assistance will be provided.
   
4. The financial assistance is provided in the form of a zero interest deferred loan. A mortgage will be placed on the property in the amount of the loan provided, and will be reduced by 10% per year for the first 5 years and the balance will be payable when the recipient no longer resides in the property.
   

Home Improvement Loan Program

The City of Wichita and Capitol Federal Savings and Loan have partnered to provide low-interest rehabilitation loans to owner-occupants of residential dwellings. Capitol Federal provides the funds and the City of Wichita subsidizes the interest rate to make it more affordable.

To qualify:

1. The property must be located within the City of Wichita and be owner occupied.
   
2. Eligible household income must not exceed 80% of Area Median Family Income (AMFI).
   
3. The applicant must be credit worthy with the ability to repay the loan.
   
4. The maximum amount of assistance, provided there is adequate equity, is $15,000 with a maximum payback period of 10 years.