City staff members interview and determine program eligibility, conduct a preliminary inspection, prepare cost estimates, assist in bidding the job to selected contractors, and conduct the final inspection. The staff will inspect for code compliance and completion of repairs done in workman-like manner.

Types of Improvement/Repairs

• Heating Units
• Sewer Pipes/Plumbing
• Electrical Wiring/Smoke Detectors
• Roof Repair/Replacements
• Structural Problems
• Bathroom/Kitchen Repairs
• Reduction of Lead Paint Hazards
• Repairs to Bring Property up to Lancaster City Housing Code

1. All City accounts are current (water & sewer, taxes, trash and municipal liens).
2. Must be deed holder & reside at the property for at least one year, have a current homeowner’s insurance policy and be current with mortgage obligations.
3. A lien search and credit report will be taken into consideration to determine eligibility. 
4. Property must be located within the City of Lancaster, have conditions requiring repair as per the housing code and/or HUD housing standards, economically feasible to rehabilitate (under $25,000).

I. Repayment Loans

0% Interest
15 years-180 payments

Repayment Loans will be provided to homeowners who are over 50% and under 80% of HUD’s median income for the area

II. Forgivable Loans

10% of loan is forgiven annually.

Forgiveness loan will be provided to - homeowners who are at the income level below 50 % of HUD median income. This type of loan requires the homeowner to reside in the property for ten (10) years. Every year 10% of the loan amount is forgiven.

If you meet the criteria for our Homeowner Rehabilitation Program and are interested in applying please download and complete the Homeowner Rehabilitation Assistance application (PDF Format). Mail it to:

Please be aware that your application will be placed on a waiting list once it is received. Thank you.

Frequently Asked Questions