Home Improvement Program

How it works

Oakland County says qualified homeowners may receive interest-free loans of up to $23,000 to make needed home repairs. County staff help with the application, oversee the repair work, and pay pre-screened contractors directly.

The loan has no monthly payments. The full balance becomes due only when you no longer live in the home.

Oakland County says the program is not an emergency repair program.

What the money covers

The county says eligible improvements may include repairs needed to make the home “decent, safe and sanitary.” Examples listed on the official page include:

• 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

Amounts and matching

• Maximum loan: $23,000
• Interest rate: 0% (interest-free)
• Monthly payment: none
• Repayment timing: due when you no longer live in the home

How to apply

The page provides an Apply Now link and says Oakland County staff will help homeowners through the process and coordinate with approved contractors.

Timing and deadlines

The official page does not state a closing date. It does state that Oakland County is no longer accepting Home Improvement applications for the City of Pontiac as of 2025-02-01, and that Pontiac residents should contact the City of Pontiac instead.