Home Rehabilitation Program (Deferred Loan Program)

Assistance is available for various types of projects through the City of Dearborn’s Economic Development Department.

The City of Dearborn's Home Rehabilitation Program provides financial assistance (deferred loans) to qualified homeowners for the repair or rehabilitation of their homes.

Examples of Eligible Corrections:

• Lead Hazard Reduction
• Major Sewer Repairs
• Local Code Corrections
• Roof Replacement
• Barrier Free Modifications
• Aluminum/Vinyl Siding
• Gutters, Downspouts
• Concrete Replacement (Code Violation required)
• Repair of Exterior Doors, Window Replacement
• Plumbing Repair
• Garage Demolition/Removal
• Defective Furnace/Boiler and Water Heater Replacement
• Porch and Step Repair

Note: This is a sample of eligible items. Contact Staff for additional eligible items.

Who is Eligible?

You must have owned and occupied a one-family Dearborn residence for a minimum of one year and have a valid Certificate of Occupancy, or for a minimum of two years without a valid Certificate of Occupancy.

A two-family Dearborn residence may be eligible for assistance if the owner-occupant has been utilizing the structure as a single-family residence and agrees to permanently covert the structure to a single-family home.

Your property taxes, mortgage, and homeowner's insurance payments must be up to date.

Maximum Household Income (as of April 2023, subject to change without notice):

The home must be economically feasible to rehabilitate. Completion of standard maintenance and minor repairs (such as smoke detectors, vacuum breakers, debris removal, and furnace inspection) may be required prior to acceptance into the program.

The property must be structurally sound and economically feasible to rehabilitate.

A lien (second mortgage), guaranteeing future repayment of the assistance provided, plus an administrative fee, will be recorded against your property. Assistance is offered with no interest charges. Repayment of the loan and administrative fee becomes due when the home is sold or is no longer owner-occupied by the eligible applicant.

Waitlist Procedures

The first step in the Home Rehabilitation Program is to complete an application and submit the required preliminary documents.

Applications and documents are to be submitted to the Economic Development Department in person or via mail.

Applications and documents may be mailed to:

Economic Development Department
Attn: Grants Manager
16901 Michigan Ave, Suite 15
Dearborn MI 48126

The documents and information received is only the first step in the HRP eligibility process to determine if you qualify for the program. The acceptance of the application and documents is not considered an approval for the Home Rehab Program.

Next, the applicant will then be placed on the waiting list. Applicants will be pulled off the waitlist on a first-come-first-serve basis.

Federal regulations require preliminary eligibility documents that are more than 6 months old to be updated.

Additional documentation will be required after the applicant is pulled from the waiting list. This is a federal regulation and requirement that the City of Dearborn is required to adhere to.

At this time, the Dearborn Economic Development Department is unable to provide a timeframe as to when you will be pulled off the waitlist.

For an application or to inquire more about the program, you may call 313-943-3068.

The information provided above is a representative sample of program rules and regulations. Other terms and conditions of the

City of Dearborn's Home Rehabilitation Program are subject to modification without notice.