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Homeowner Rehab Program

The Housing and Neighborhood Revitalization Unit administers a loan program to provide financial and technical assistance to rehabilitate eligible, substandard, owner-occupied, single family housing units in the City of Lancaster. Repairs will be completed according to Lancaster City Housing Code.

City staff members interview and determine program eligibility, conduct a preliminary inspection, prepare cost estimates, assist in bidding to selected contractors and conduct the final inspection.

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

Program Requirements
1. All City accounts must be current (water/sewer, taxes, trash and municipal liens).
2. Must be the deed holder and reside at the property for at least one year, have current homeowner’s insurance and be current with mortgage obligations.
3. A lien search, credit report and market analysis 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 be economically feasible to rehabilitate (under $40,000).
5. There must be sufficient equity in the home to cover the amount of repairs.

2017 FAMILY INCOME GUIDELINES*
Effective 4/14/17
FOR THE CITY OF LANCASTER, PENNSYLVANIA
IN THE LANCASTER STANDARD METROPOLITAN STATISTICAL AREA (SMSA)

Number of

Persons in

Family

 

Extremely Low Income  Ceiling for the  Lancaster SMSA

Very Low Income             Ceiling for the

Lancaster SMSA

(50% of Median

Family Income)

Low Income

Ceiling for the

Lancaster SMSA

(80% of Median

Family Income)

1

 

$14,950

 

$24,900

$39,850

2

 

17,100

 

28,450

45,550

3

 

20,420

 

32,000

51,250

4

 

24,600

 

35,550

56,900

5

 

28,780

38,400

61,500

6

 

32,960

 

41,250

66,050

7

 

37,140

 

44,100

70,600

8

 

41,320

 

46,950

75,150

These figures are based on the U.S. Department of Housing and Urban Development (HUD) estimate for the Fiscal Year 2017 Median Family Income of $71,100 for the Lancaster Standard Metropolitan Statistical Area (SMSA).  The SMSA and the area covered by Lancaster County are identical.   As required by statute, the definition of "Very Low Income" is tied to 50 percent of the median income, and the definition of "Low Income" is tied to 80 percent of the median income for the area.  Using the median income, a four-person family income limit is calculated and adjustments then made for other family sizes. The FY 2014 Consolidated Appropriations Act changed the definition of extremely low-income to be the greater of 30/50ths (60 percent) of the Section 8 very low-income limit or the poverty guideline as established by the Department of Health and Human Services (HHS), provided that this amount is not greater than the Section 8 50% very low-income limit. Consequently, the extremely low income limits may equal the very low (50%) income limits.

Higher income limits apply to families with more than eight persons, although they are not shown because of space limitations.  For each person in excess of eight, 8 percent of the four-person base should be added to the eight-person income limit (for example, the nine-person limit equals 140 percent of the relevant four-person income limit).  All limits are rounded to the nearest $50.

* This Exhibit was updated by the City of Lancaster based on a family income scale adjustment for 2017 provided by HUD on April 25, 2017. The City anticipates that HUD will provide revised 2018 family income data in March of 2018.

Two Types of Financial Assistance
1. 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

2. Forgivable Loans
-   0% 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 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, download and complete one of the following:
Homeowner Rehabilitation Assistance Application in English
Homeowner Rehabilitation Assistance Application in Spanish

When complete mail to:
City Of Lancaster
Attention: Housing and Neighborhood Revitalization Unit
120 North Duke Street
Lancaster, PA 17602
717-291-4730

Please be aware that your application will be placed on a waiting list once received.

This project is supported through the City of Lancaster’s Community Development Block Grant Program