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Housing Programs

Contact Information

Community Development - Housing Division
101 First Street SE 
Cedar Rapids, IA 52401

Phone: 
319-286-5872

Email:
CD-HSG-Rehab@cedar-rapids.org

Department Contacts

Applications are available as of Monday October 1, 2018


Brochure
Application
Core Neighborhood Map

Program Overview

The City of Cedar Rapids Comprehensive Rehabilitation Program purpose is to assist low– to moderate– income households to:

  • make needed repairs to their homes
  • reduce lead-based paint hazards
  • preserve the affordable housing stock

 

The Comprehensive Rehabilitation Program addresses:

  • lead-based paint hazards
  • code corrections
  • safety issues
  • nuisance notices
  • elderly and handicapped access issues

 

Project costs are allowed up to $23,500 for non lead-based paint activities or 50% of the pre-rehab assessed property value, whichever is lower and a total project cap of $35,000.  Actual amount subject to inspection by Housing Rehabilitation staff.  

Program Availability

For the 2018-2019 program year, 50 applications will be accepted on a first-come first-serve basis.

Property Eligibility

  • Homes must be built prior to 1968
  • Homes must be located within the five City of Cedar Rapids core CDBG neighborhoods which include Timecheck/St. Patrick’s, Riverside/Oakhill, Coe/Mt. Vernon, Cedar Lake/Daniel’s Park and Young’s Hill/Kingston.
  • Homes located in the 100-year flood plain are not eligible
  • The current assessed value of the land and structure must be less than $135,000
  • The property must be owned and occupied by the applicant for at least 1 year prior to application
  • There must be at least 10% equity in the home
  • Property taxes must be current
  • Housing payments must be current
  • Homeowner’s insurance coverage must be current.
  • Mobile homes are ineligible.
  • Housing purchased on contract are not eligible.

 Income & Asset Eligibility

The maximum program income limit is 80% AMI, based on household size, shown below. Assets (checking, savings, etc.) may not exceed $50,000 in non-retirement funds.

 

Area Median Income (AMI) Limit

Effective 6/1/2018

Household Size

50%

70%

80%

1 person

$28,500

$39,900

$45,550

2 person

$32,550

$45,570

$52,050

3 person

$36,600

$51,240

$58,550

4 person

$40,650

$56,910

$65,050

5 person

$43,950

$61,530

$70,300

6 person

$47,200

$66,080

$75,500

7 person

$50,450

$70,630

$80,700

8 person

$53,700

$75,180

$85,900

 

Homeowner Project Contribution

Depending on the household income and assets, the homeowner may be required to contribute a percentage toward the costs.

 

Total Non-Retirement Assets

AMI%

(see chart above)

$0 - $15,000

$15,001 - $25,000

$25,001 - $50,000

0-50%

0%

1%

2%

51-70%

1%

3%

5%

71-80%

2%

5%

10%

 *Homeowner maximum contribution $3,500

Property Lien
A property lien shall be recorded on the property for the costs of the rehabilitation project. The cost of assistance will be recaptured if the property is:

  • Sold or ownership is transferred to another party
  • Vacated making it no longer the principal residence of the owner
  • Rented for tenant occupancy, except for that allowed when the financial assistance was provided

After ten years, the lien will be forgiven.  The recapture schedule of the lien shall be as follows:

Year

Repayment Amount

1

100%

2

90%

3

80%

4

70%

5

60%

6

50%

7

40%

8

30%

9

20%

10

10%

After 10 years

0%

 

Contacts

Leland Hoeger
Housing Rehabilitation Specialist
(319) 286-5179
l.hoeger@cedar-rapids.org

 

 

© 2018  Cedar Rapids, Iowa, 101 First Street SE

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