North Olmsted Safe and Healthy Homes

Home Repair Program
Eligibility Screening
Complete this form as soon as possible to see if you are eligible to apply!
Program Details:
  • Up to a $15,000 loan in health and safety repairs for single family (1 unit) owner-occupied North Olmsted residents. Income restrictions apply. 
  • Eligible repairs may include roof, driveway, gutters, exterior paint and siding, porch, windows, furnace/HVAC. Eligible repairs must meet certain health and safety standard in accordance with program guidelines. 
  • Loan eligibility and loan type is based on household income. Household income must be less than 300% Federal Poverty Level ("FPL"). All loans result in a lien on the property. See income levels and loan types below.
  • Eligible homeowners must have valid homeowner's insurance and are current on property taxes or active on a payment plan. 
2025 Household Size Income Limits
Forgivable Loan - Household income at or below 30% of Area Median Income ("AMI"): forgivable if household applicant remains in home for 5 years or if head of household passes away.

Deferred Loan - Household income between 30% AMI and 200% Federal Poverty Level ("FPL"): loan is deferred at 0% interest and repayable upon the sale of the home or a refinancing.

Below Market-Rate Loan - Household income above 200% FPL and 300% FPL: 4.99% loan with a 5 year term. 
Eligibility Screening