The resources listed on this page are committed to assisting homeowners to maintain and make needed repairs on their homes. They offer extensive local expertise of the various programs and resources available.
 

City of Madison Rehabilitation Loan Programs

Owner-Occupied Rehab Application (English)     Owner-Occupied Rehab Application (Español)     Rental Rehab Application
 

The City of Madison’s Rehabilitation Loan Program is accepting applications. This program provides financial incentives to upgrade eligible housing units in need of rehabilitation, resulting in improved housing stock. To accomplish this goal the City will provide loans to property owners, both owner-occupied and rental properties, with varying loan terms based on eligibility.

As the program reopens, applications seeking assistance for Emergency Repairs will be prioritized. For more information see the List of Emergency Repairs and Loan Terms and Eligibility.  

Interest Rate

The Madison Rehabilitation Loan’s interest rate is based on household’s annual gross income. Owner-occupied properties must disclose annual gross income of all members of the households over the age of 18 who reside in the property. Qualifying income for interest rates is listed below by number of people who may reside in the household. If applicant has more household members please call Chelsea Volden-Stammen 608-266-4719 for eligibility.

Number of Persons In Applicants Household 0% Interest Loan- Deferred Payment 2.0% Interest Loan*-Installment Loan 4.5% Interest Loan- Installment Loan
1 $ 62,600 $ 80,800 $ 97,770
2 $ 71,550 $ 92,300 $111,680
3 $ 80,500 $103,800 $125,600
4 $ 89,400 $115,300 $139,510
5 $ 96,600 $124,600 $150,770
6 $103,750 $133,800 $161,900

Income limits effective 06/15/2022 until next update

*Rental Properties that are not owner occupied are ONLY eligible for 2.0% Interest Installment Loans.

Technical Assistance from City of Madison

Experienced Community Development Specialists perform a thorough inspection of the property, identifying problem areas. The Community Development Specialist writes a scope of work (a list of the work that needs to be done). Once the work is complete, the Community Development Specialist conducts a final inspection to make sure the work meets program requirements.If you think you may qualify or would like additional information, please contact the Community Development Division at (608) 266-4719 or email homeloans@cityofmadison.com.  You can also complete and return an application to determine eligibility.


Other Programs Available in Madison:

 

Minor Home Repair- Project Home

The City of Madison Minor Home Repair Program offers low cost home repairs and accessibility modifications for qualified homeowners in the City of Madison. Homeowners pay the cost of materials and $15.00 per hour per person for labor. For more information please contact Project Home:Project Home Phone: 608-246-3737 ext. 2200
 

Solar Energy - MadiSUN Solar

MadiSUN is the City of Madison’s initiative to expand solar energy for homes and businesses. RENEW Wisconsin, a local nonprofit organization working to grow renewable energy statewide, administers the programs on behalf of the City.  See the MadiSUN Solar website for more information.

 

Energy Efficiency for Multifamily Housing - NOAH

The Efficiency Navigator program helps small to medium-sized multi-family housing become more efficient and resilient, while reducing operating costs and utility bills for residents. The program provides complimentary efficiency assessments and step-by-step technical assistance to help building owners navigate implementation of efficiency improvements. Eligible buildings have rents affordable to residents at or below 80% Area Median Income. This housing stock is known as naturally occurring affordable housing (NOAH).

The Efficiency Navigator program is also conducting a pilot grant program to fund efficiency upgrades in NOAH in Madison’s Northside and Southwest neighborhoods. Selected buildings will receive $10,000 - $20,000 in funding for upgrades such as efficient lighting, improved heating, ventilation and air conditioning systems, improved insulation, air sealing, water softener optimization, tune-ups or replacement, water conserving fixtures, and recommendations to improve home health (e.g. asthma triggers). See the Efficiency Navigator website for more details and to apply.

The Efficiency Navigator pilot grant program is a partnership between Sustain Dane, Elevate, the Northside Planning Council, and the City of Madison.
 

Energy Efficiency – Focus on Energy

Focus on Energy helps single-family homeowners, renters, and property owners make energy related improvements to their homes.

Heating & Cooling

Insulation & Air Sealing