Grants directory
Housing Reconstruction Program
City of Midland Community Development Office · City program
Low-interest amortized loan plus a forgivable deferred-payment loan; no maximum amount is stated on the public page.
The City of Midland offers low-interest and forgivable loans for full home replacement when a house is too damaged or unsafe to rehab. Funds are currently limited to emergency situations.
Program details
How it works
The City of Midland provides affordable loans for complete home replacement projects. The city says funds are currently available only for emergency situations where a home is unsuitable for rehabilitation and for living, as verified by city building, health, and/or safety officials.
What the money covers
This program is for complete home replacement projects rather than repairs.
Amounts and matching
The public page does not give a dollar maximum. It says the assistance is a combination of:
- An amortized loan with monthly payments at a low interest rate
- A deferred payment loan portion that is forgivable and does not require monthly payments
The city says a higher applicant income can mean a larger amortized-loan portion. An existing mortgage balance can impede or end consideration. A lien is filed with the City for the combined loan amount.
How to apply
The city says it will aid the applicant in the reconstruction process, including contractor selection. Interested homeowners should contact the Community Development Office at 432-685-7472 for more information.
Timing and deadlines
The page says funds are currently only available for emergency situations. It does not give a posted closing date.
Full eligibility details
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