City of Detroit / LISC Detroit
Detroit's flagship 0% interest home repair loan program, running since 2015. Loans of $5K-$25K repaid over 10 years with no interest. Covers roofs, windows, plumbing, electrical, furnace, lead removal, structural repairs. Requires 560+ credit score, DTI under 45%, 6+ months ownership, current on taxes and insurance. After a decade serving 800+ homeowners, this program winds down June 2026. 14,000 people are on the waitlist. If you can't get in, see the Critical Home Repair Program and Detroit Home Repair Fund.
560+ credit score, below 80% AMI or in HUD target area
Official source site checked live on 2026-06-22.
Data last verified 2026-04-01. How we verify our data.
In Detroit, MI, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Detroit, MI 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 Detroit early keeps your application moving.
Get matched with a contractorEach program sets its own contractor rules. Check the official program page for exact requirements.
Documents you will likely need
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: ENDING JUNE 2026, 14,000-person waitlist; apply immediately or seek alternatives
Ask us. It is free, and a real person answers within a business day.
Email us about this programGrant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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