City of Pontiac Owner-Occupied Rehabilitation Program

City of Pontiac Community & Economic Development (CDBG)

Available Home Repair

About This Program

City of Pontiac Owner-Occupied Rehabilitation Program is available to homeowners in Pontiac, MI.

CDBG-funded deferred loan program for low-income Pontiac homeowners to address major health and safety deficiencies. Loan is secured by a lien and forgiven after 10 years of continued occupancy.

Deferred loan forgiven after 10 years of owner-occupancy

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

Data last verified 2026-06-09. How we verify our data.

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

Key Details

  • Deferred loan up to $30,000 for major repairs
  • Income at or below 80% AMI required
  • Must own and occupy home in Pontiac city limits
  • Forgiven after 10 years of compliance
  • Addresses health and safety code violations

How to Apply

Get free help applying Visit Official Program Page Track this program

(248) 758-3070

A grant-savvy contractor in Pontiac, 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 Pontiac 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.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • 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 applications

Questions about this program?

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

Email us about this program

Frequently asked questions

How much can City of Pontiac Owner-Occupied Rehabilitation Program provide in Pontiac, MI?

Up to $30,000 deferred loan.

Who qualifies for City of Pontiac Owner-Occupied Rehabilitation Program in Pontiac?

City of Pontiac Owner-Occupied Rehabilitation Program is open to homeowners in Pontiac, MI. It prioritizes low-income households.

How do I apply for City of Pontiac Owner-Occupied Rehabilitation Program in Pontiac, MI?

Apply directly with City of Pontiac Community & Economic Development (CDBG) using the official program link on this page or call (248) 758-3070. There is no middleman and no fee.

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