South Bend Owner-Occupied Rehabilitation Program

City of South Bend Community Development (CDBG)

Available Home Repair

About This Program

South Bend Owner-Occupied Rehabilitation Program is available to homeowners in South Bend, IN.

Provides major home rehabilitation assistance for low-income owner-occupied households in South Bend. Forgivable loan covers critical health, safety, and code compliance repairs including roofing, plumbing, electrical, HVAC, and structural work. Loan is forgiven after 5 years of continued owner occupancy.

Forgivable loan amount based on scope of needed repairs, no repayment if you remain in home 5 years

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

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

In South Bend, IN, you can combine this program with other local help to cut your cost:

Key Details

  • Forgivable loan up to $35,000
  • Income at or below 80% AMI required
  • Must be owner-occupied in South Bend
  • Covers roofing, plumbing, electrical, HVAC, structural
  • Forgiven after 5 years of occupancy

How to Apply

Get free help applying Visit Official Program Page Track this program

(574) 235-9371

A grant-savvy contractor in South Bend, IN 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 South Bend 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, subject to funding availability

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 South Bend Owner-Occupied Rehabilitation Program provide in South Bend, IN?

Up to $35,000 forgivable loan.

Who qualifies for South Bend Owner-Occupied Rehabilitation Program in South Bend?

South Bend Owner-Occupied Rehabilitation Program is open to homeowners in South Bend, IN. It prioritizes low-income households.

How do I apply for South Bend Owner-Occupied Rehabilitation Program in South Bend, IN?

Apply directly with City of South Bend Community Development (CDBG) using the official program link on this page or call (574) 235-9371. 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.

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