Home Repair Loan Program
Because of staff limitations, this program is not accepting applications at this time. Please check back in January 2022 for updates.
The federally funded Home Repair Loan Program provides loans to income eligible homeowners who need to make necessary repairs to their homes. This program offers funds to correct city code violations, improve energy efficiency, health and safety issues. Cosmetic changes and non-essential upgrades to the property are not eligible.
Type of repairs that can be completed include, but are not limited to, roof replacement, installation of Energy Star-rated windows and entry doors, 90 percent energy efficient furnaces, replacement of water heaters, attic and wall insulation, concrete repairs, electrical repairs or upgrades, plumbing repairs, and more.
The program is a zero percent interest deferred loan that does not require monthly payments. All payments are deferred until transfer of title occurs, when the property is sold, upon refinance obtaining home equity or cash out, or when the property is no longer the homeowners primary place of residence.
Applicant eligibility
Applicants must:
- Own and occupy property as their primary residence
- Home must be within the Aurora city limits
- Meet established household income limits (see income chart below)
- No discharged bankruptcy within the last 24 months of application
- Be current on all debt secured against the property
- Have no liens or judgments
- Have a current homeowners insurance policy, and
- Have mortgage payment history for the past 12 months.
How to apply: 303.739.7900 or select "Apply for a Housing Rehabilitation Program" tab shown below.
Minor Home Repair Program
Because of staff limitations, this program is not accepting applications at this time. Please check back in January 2022 for updates.
The federally funded Minor Home Repair Program provides financial and technical assistance to Aurora homeowners needing essential home repairs. The Minor Home Repair Program may include those repairs that would accommodate for accessibility modifications, as well as, repairs to improve mechanical, electrical, plumbing, roofing, HVAC and certain landscaping code violations. The program is available to low and moderate income eligible homeowners. Applications will be accepted on a first-come, first-served basis, and participation in the program is limited to one time only per applicant.
Applicant eligibility
Applicants must:
- Own the property
- Occupy the property as their primary residence
- Home must be within the Aurora city limits
- Meet established household income limits (see income chart below)
- Be current on all debt secured against the property
- Have no liens or judgements
- Have a current homeowners insurance policy
- Have a current mortgage payment history for the past 12 months, and
- Have a property that is in need of essential home repairs
How to apply: 303.739.7900 or select "Apply for a Housing Rehabilitation Program" tab shown below.
Emergency Repair Program
The Emergency Repair Program provides grants to address home system problems that are an immediate threat to health and safety of the occupants. Replacement of items such as malfunctioning furnaces, water heaters, broken sewer lines (scope of line must be provided) and water mains can be covered under the Emergency Repair Program. Additional loans are available if they use the funds to correct conditions that pose a hazardous situation for the occupant’s health, safety or well-being. Participation in the program is limited to one time only per applicant.
Applicant eligibility
Applicant must:
- Own and occupy the home
- Meet HUD's low/moderate income guidelines (see income chart below)
- Home must be within the Aurora city limits
- Have no liens or judgements
- Have a current homeowner's insurance policy
- Have a current mortgage payment history for the past 12 months, and
- Be current on all debt secured against the property
How to apply: 303.739.7900 or select "Apply for a Housing Rehabilitation Program" tab shown below.
**Annual income based on total Adjusted Gross: anticipated income for all household members (incomes are based off of wages, overtime pay, social security benefits, child support, alimony, maintenance, unemployment, retirement, pensions, death benefits, etc.)
Income limits from HUD's Low-Income calculations per household size)
Household size Maximum Gross Household size Maximum Gross
1....................$55,950 5....................$86,300
2................... $63,950 6....................$92,700
3....................$71,950 7....................$99,100
4....................$79,900 8....................$105,500
Notice: The Community Development Home Repair Loan Program, Minor Home Repair Program and Emergency Repair Program cannot assist with disaster relief efforts, which can include leaking roofs, structural flooding, standing water, replacement of broken/leaking windows, sewer line backups, basement repairs, etc. Please contact FEMA at 800.621.FEMA (3362) for information pertaining to disaster relief assistance available in your area.