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Iowa Homeowner Assistance Fund – Home Repair

 

The goal of the Iowa Home Repair Pilot Program is to prevent homeowner displacement by assisting with home repairs to maintain the habitability of the home. The application period closes on March 29, 2024 at 4:30 p.m. CST, subject to available funding.

Have questions about the Homeowner Assistance Fund program or your application? Contact the Iowa Homeowner Assistance Fund Support Team to leave a message. Your call will be returned the same business day or within 24 hours, Monday – Friday.

888-668-0927

IMPORTANT:

Eligibility criteria, including maximum annual household income limits, differs between the mortgage reinstatement and home repair programs. Please review program information carefully before submitting an application.

Eligibility Requirements

Eligible Homeowners must:

  • Be income qualified. (Household income must not exceed 80% of the Area Median Income (AMI).

  • Have home repair needs that affect the ongoing insurability or accessibility of their home.

  • Have had someone in the household experience a financial hardship after January 21, 2020, because of the COVID-19 pandemic.

      • This could be a reduction in income or increase in living expenses due to job loss, fewer work hours, paying more for childcare, illness, or being unable to work because you had to care for a family member.
  • Own the property located in Iowa (applicants purchasing a home under a legally recorded contract are eligible).

  • Occupy the home as their primary residence.

  • Be current on mortgage and property tax payments.*

  • Applicant’s household housing debt to income ratio must be 50% or lower, calculated as your monthly housing payments divided by your gross monthly income.  As a general rule, your gross monthly income must equal at least double your monthly mortgage payment. If your household debt to income ratio is greater than 50%, your IHAF application will be denied or referred to Iowa Mortgage Help for counseling services.

*If you are behind on your mortgage and/or property tax payments and you have not received prior mortgage reinstatement assistance through the Iowa Homeowner Assistance Fund, you may be eligible to apply for mortgage and/or property tax payment assistance through the Iowa Homeowner Assistance Fund Mortgage Reinstatement Program.

Eligible Assistance

  • Up to $35,000 to assist with eligible repairs.

  • Eligible homeowners may also qualify for assistance with past due mortgage and related property expenses, if requested and documentation is supplied during application.

  • All payments made directly to contractors/service professionals by qualified nonprofit and government entity partners overseeing the repair work.

  • Subsequent applications will not be accepted, whether your original application submission is approved or denied. For that reason, it is important to carefully consider your precheck eligibility before deciding to apply for IHAF

Eligible Repairs

For homeowners unable to obtain or maintain homeowners’ insurance due to the condition of their home, the following repairs to core residential systems may be eligible:

  • Building envelope, including exterior doors and window replacement, siding, roofing, soffit, fascia, gutters, and/or ventilation, if necessary

  • Drainage

  • Electrical or Plumbing Systems

  • Foundation Repair

  • Septic

  • Wells

  • Payment of fines assessed by a local municipality as a result of a homeowner’s inability to make critical home repairs (i.e., a fine for a broken sidewalk and/or boarded up window may be eligible vs. an overgrown lawn, which is ineligible)

Accessibility/Health Modifications

For homeowners who need to make accessibility or health-related modifications to help assure continued habitability of the home based on their physical/health needs, the following types of environmental modifications will be considered:

  • Asbestos removal or abatement

  • Installation of specialized electric and plumbing systems to accommodate medical equipment and supplies

  • HVAC repair or replacement

  • Installation or repair of non-portable ramp(s) or lift(s)

  • Lead hazard reduction

  • Modification of bathroom facilities

  • Modification of kitchen facilities

  • Mold remediation

  • Radon mitigation

  • Specialized accessibility/safety adaptations

  • Turnaround space adaptations

  • Widening of doorways/hallways

Eligible Property Types

  • Single-family properties

  • Condominium units

  • Manufactured homes permanently affixed to real property and taxed as real estate

If you received prior assistance through the Iowa Homeowner Assistance Fund and are in need of home repair assistance, please call the support team at 888-668-0927 to ask that your original application be copied rather than submitting a full new application. This process will support a streamlined submission and prompt review of your application.

  • STEP 1

    Review required documents and FAQs

    Have digital copies of: proof of identification & income eligibility documentation.

  • STEP 2

    Take the precheck to determine preliminary eligibility. Proceed to complete the full application, if initial eligibility criteria is met.

  • STEP 3

    The case review team will review the application to ensure all documentation is complete and verify eligibility.

Application

The application period is open through March 29, 2024 at 4:30 p.m. CST, subject to available funding.

Application Status

General FAQs

What qualifies as a COVID hardship?

You must have experienced a direct or indirect financial hardship such as a decrease in income or increase in living expenses as of a result of the coronavirus pandemic. This can include but is not limited to job loss, reduction in work hours, increased costs due to childcare, illness, or the need to care for a family member since January 21, 2020. This can include financial hardships that began before January 21, 2020 and continued after that date, but only costs accrued after January 21, 2020 are eligible for HAF assistance.

Can I apply for assistance on a second home or a vacation home?

No, the assisted property must be the applicant’s primary residence.

Payment FAQs

Will homeowners be paid directly for the repair work?

No. All payments made directly to contractors/service professionals by qualified nonprofit and government entity partners overseeing the repair work.

Do I need to pay back any assistance I receive?

No, any assistance received through Iowa HAF will be a grant that the homeowner will not need to repay.

Will the benefits I receive be considered taxable income?

No, any assistance received through the Iowa HAF Program for assistance with eligible expenses is not considered taxable. Eligible applicants will not be required to pay taxes on qualified assistance received through Iowa HAF.

A program flyer that may be emailed or printed and shared with homeowners in need of assistance is available below.

Flyer – English

The State of Iowa offers a variety of resources to assist Iowans with re-entering the workforce. These services include resume writing assistance, training programs and real-time job listings.

Please review the job listings and resources below and contact an IowaWORKS Center in your area if you would like assistance with your job search.

Explore Job Postings

Legal FAQs for Homeowners and Renters

Training & Education

Funds for this program come from the U.S. Department of Treasury, established under section 3206 of the American Rescue Plan Act of 2021.