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South Dakota Housing Development Authority CHIP (Community Home Improvement Program)

South Dakota Housing Development Authority · State program

Low-interest loan at 2.9%; income limit 120% of median income.

South Dakota Housing Development Authority offers CHIP, a low-interest home improvement loan for low-income homeowners. The page source says it is for repairs or improvements to the home, with a 2.9% interest rate and an income limit of 120% of median income.

Last verified: July 28, 2026
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Program details

How it works

South Dakota Housing Development Authority’s housing assistance resource page says CHIP, the Community Home Improvement Program, is for low-income homeowners to make repairs or improvements to their home.

What the money covers

The page does not break out wildfire-specific items, but it does say the program is for home repairs or improvements.

Amounts and rates

The source excerpt states the interest rate is 2.9%.

How to apply

The page says to call for information.

Bottom line

This is a statewide home-repair financing program that could potentially be used for hardening-related repairs, but the official source excerpt does not specify wildfire mitigation features or a maximum loan amount.

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