SD Housing Owner-Occupied Rehabilitation Program

South Dakota Housing Development Authority

Available Home Repair

About This Program

SD Housing Owner-Occupied Rehabilitation Program is available to homeowners in Rapid City, SD.

Provides deferred payment loans for major home repairs to owner-occupied homes. Loan is forgiven after 10 years of continued owner occupancy. Available through participating local governments.

Deferred loan amount based on needed repairs, forgiven after 10 years of occupancy

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

Data last verified 2026-05-25. How we verify our data.

In Rapid City, SD, 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 120% area median income
  • Must be owner-occupied primary residence
  • Forgiven after 10 years of compliance
  • Administered through local participating cities

How to Apply

Get free help applying Visit Official Program Page Track this program

(605) 773-3181

A grant-savvy contractor in Rapid City, SD 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 Rapid City 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).
  • 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: Contact local administrator for availability

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 SD Housing Owner-Occupied Rehabilitation Program provide in Rapid City, SD?

Up to $30,000 deferred loan.

Who qualifies for SD Housing Owner-Occupied Rehabilitation Program in Rapid City?

SD Housing Owner-Occupied Rehabilitation Program is open to homeowners in Rapid City, SD.

How do I apply for SD Housing Owner-Occupied Rehabilitation Program in Rapid City, SD?

Apply directly with South Dakota Housing Development Authority using the official program link on this page or call (605) 773-3181. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Rapid City, SD contractors

Find More Programs in Rapid City, SD

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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