Owner Occupied Repair

The Owner Occupied Repair (OOR) Program provides financial assistance to low- to moderate-income homeowners for essential home repairs that address health, safety, and accessibility concerns. Cosmetic improvements or general remodeling projects are not eligible.

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Program Details

Serving Adams, Buffalo, Clay, Hall, Hamilton, Howard, Kearney, Merrick, Nuckolls, and Webster Counties.

  • Maximum Award: Up to $40,000 per home

  • Repayment Terms:

    • 50% forgiven over 10 years while the home remains your primary residence

    • 50% due upon sale, transfer, or conversion to rental use

  • Eligible Properties:

    • Must be your primary residence

    • Household income must be at or below 80% of the Area Median Income (AMI) for your county

    • Home must have current homeowner’s insurance and have been insured for at least 12 months

    • Must be real property capable of having a lien filed against it

    • Manufactured homes or trailers on leased land are not eligible