CDBG Waukesha County Resident Loan Program

How it works

Waukesha County operates a loan program using Community Development Block Grant (CDBG) funds for Waukesha County residents only. The program provides low- to moderate-income households with access to funds for modest home repairs.

The loan is a no-interest deferred loan of up to a maximum of $24,999. There are no monthly payments. The entire loan becomes due upon the sale or transfer of the mortgage, a cash-out refinance, or if the home fails to remain owner occupied.

What the money covers

The official page describes the assistance as funding for "modest home repairs." Priority activities include repairs to mechanical or structural items that present an imminent health and safety problem, including:

• roofs
• mechanical systems, such as furnaces and hot water heaters
• plumbing
• water or water/sewer laterals in disrepair
• windows in disrepair
• foundations
• siding
• improvements to the interior of the home in bathrooms and kitchens
• any accessibility improvements

Once repairs are completed, all homes must meet Waukesha County Code Requirements or additional work will be required.

Amounts and matching

• Maximum loan: $24,999
• Interest rate: 0%
• Monthly payments: none
• Repayment trigger: sale, transfer, cash-out refinance, or loss of owner-occupancy

How to apply

Download an application and follow instructions on the form. If you are unable to download the application, contact Waukesha County staff to obtain an application and determine eligibility.

The process described on the page includes:

• schedule a home inspection
• the inspector completes a Scope of Work detailing necessary repairs to meet code and other improvements
• homeowner gets bids from contractors
• loan closing, which is recorded as a lien on the property
• contractor, homeowner, and Waukesha County review the owner/contractor agreement
• work begins on the home
• funds are not released to pay contractors until the home passes the final inspection

Timing and deadlines

The page does not state an application opening or closing date for this homeowner loan program.