City of Chicago Small Owner-Occupied Repair Program (SOAR)

City of Chicago Department of Housing

Available Emergency Repair

About This Program

City of Chicago Small Owner-Occupied Repair Program (SOAR) is available to homeowners in Chicago, IL.

Chicago's Small Owner-Occupied Repair (SOAR) Program provides forgivable loans up to $45,000 for emergency and code-required repairs to owner-occupied 1-4 unit properties. Eligible work includes roofing, tuckpointing, window replacement, HVAC, plumbing, and electrical systems. Funded through CDBG and HOME. Loans are forgiven after a compliance period if the owner remains.

Income-qualified owners of 1-4 unit properties in Chicago at or below 80% AMI

Official source site checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In Chicago, IL, you can combine this program with other local help to cut your cost:

Key Details

  • Up to $45,000 for emergency and code-required repairs
  • Covers roofing, tuckpointing, HVAC, plumbing, and electrical
  • Forgivable after compliance period, no repayment if you stay
  • 1-4 unit owner-occupied properties eligible
  • Contact Chicago Dept of Housing: 312-744-5000

How to Apply

Get free help applying Visit Official Program Page Track this program

312-744-5000

A grant-savvy contractor in Chicago, IL can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Chicago early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Proof of age (driver's license or birth certificate) if the program is age-based.
  • Documentation of disability (award letter or a physician's statement) if the program is disability-based.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling, contact Chicago Dept of Housing

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can City of Chicago Small Owner-Occupied Repair Program (SOAR) provide in Chicago, IL?

Up to $45,000.

Who qualifies for City of Chicago Small Owner-Occupied Repair Program (SOAR) in Chicago?

City of Chicago Small Owner-Occupied Repair Program (SOAR) is open to homeowners in Chicago, IL. It serves seniors.

How do I apply for City of Chicago Small Owner-Occupied Repair Program (SOAR) in Chicago, IL?

Apply directly with City of Chicago Department of Housing using the official program link on this page or call 312-744-5000. There is no middleman and no fee.

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