Home Rehabilitation

How it works

The City of Waco Housing & Community Development department administers the Home Rehabilitation program, which provides a no-interest loan to help eligible homeowners repair and improve their homes in Waco.

What the money covers

The program can be used for repair and improvement work on owner-occupied homes. The page also says it addresses lead-based paint hazards and supports safer, healthier living conditions. For homes found to contain lead-based paint, corrective actions are taken in accordance with HUD regulation by certified workers using approved methods.

Amounts and matching

• Qualified participants can receive up to $50,000.
• Assistance is structured as a no-interest loan.
• Repayment depends on household income and age.
• Eligible clients over age 62 have no loan repayment requirements.
• For clients 18 to 61 years old, the page lists a sliding scale:
  • 50% or below AMI: 0% repayment / 100% deferred forgivable loan
  • 50% to 60% AMI: 30% repayment / 70% deferred forgivable loan
  • 60% to 70% AMI: 40% repayment / 60% deferred forgivable loan
  • 70% to 80% AMI: 50% repayment / 50% deferred forgivable loan

How to apply

Applicants start by registering an account in the portal, then logging in and selecting the program by clicking Start Application.

• The registration process creates a username using the applicant’s email address and a password.
• The system validates the email address by sending a link.
• If the system email does not arrive within 2 minutes, applicants should check spam or bulk mail.
• Applicants may add other users to help edit and update the application.
• Assistance is available by calling (254) 750-5656 or emailing HCD@wacotx.gov.

Timing and deadlines

The page does not provide a closing date or deadline. It does state that the area median income limits are determined by HUD as of 2026-05-01.