Home Improvement Program

Application for the Home Improvement Program

​Qualified homeowners may receive interest-free loans of up to $18,000 to make needed home repairs, includi​ng barrier free access and energy saving upgrades. You can view current Income Limits.

There are no monthly payments and the total loan is due and payable only when you no longer live in your home.

Oakland County staff is with you all the way from helping you apply for the loan to overseeing all repair work and paying pre-screened contractors.

To qualify, you must:
  • Own and live in your own home in Oakland County (the City of Lake Angelus, Novi Township, Southfield Township and Village of Bingham Farms do not participate in the program).
  • Meet gross household income limits set by the federal government

Repairs must result in the home being "decent, safe and sanitary." Based on home improvement needs, financial situation and availability of funds at the time of application, eligible improvements may include:

  • Have needed improvements that are
    eligible under the program
  • Barrier-free Access
  • Basement Waterproofing
  • Bathroom
  • Chimney
  • Door
  • Electrical System
  • Heating System
  • Insulation
  • Kitchen
  • Plumbing
  • Porch
  • Roof
  • Septic System
  • Siding
  • Structural Defect
  • Water and Sewer Line
  • Well
  • Window

Contractor Opportunities

Join the team working with clients under the Home Improvement Program. Qualified Contractors can bid  on projects. You carry out needed home repairs while Oakland ​County qualifies homeowners, prepares work specifications and contracts, and ensures regular payments. 

Contractor-Specific Information for Home Improvement Program