Osceola County Home Repair Program
The Osceola County Home Repair Program assists low and moderate-income homeowners in the cities of Evart and Reed City make both emergency and non-emergency home repairs. The program uses Community Development Block Grant (CDBG) funds from the Michigan State Housing Development Authority (MSHDA). The paragraphs below provides a brief overview of the program; however, complete information, guidance, and requirements is contained in MSHDA grant #HRF-2014-0541, Osceola County's Program Guidelines, and MSHDA documents.
Repairs can include major systems and more:
- Septic systems
- Lead-based paint
Osceola County has established a $5,000 maximum level of assistance for Emergency Repair Projects and a household lifetime cap of $40,000. The Osceola County Housing Committee may, at its discretion, waive the lifetime cap if there is not a waiting list.
Funding is provided as a no interest, no monthly payment loan repaid upon future sale or transfer of the home or when the home is no longer occupied by the borrower. Dependent upon household income the Program may cover the entire cost of the project, or in some cases, the homeowner may be required to provide a small contribution in the form of cash or a deferred repayable loan.
To qualify, in addition to the home being in either the city of Evart or Reed City, homeowners must:
- Own and have lived in the home for at least one year.
- Be current on their property taxes.
- Meet minimum homeowners insurance requirements.
- Not exceed maximum household income limits.
Eligible properties include homes that are conventional stick-built construction, modular, or manufactured single and double-wide units. To qualify, the property must:
- Contain no more than one (1) owner occupied dwelling unit.
- Not be less than 20 years old. Exceptions are made for energy efficiency, health and safety, handicapped accessibility, or as the result of a declared disaster.
- Be on a permanent foundation, be taxed as real property, not subject to a mortgage or severance agreement that treats the unit as personal property.
- Have a clear title.
How to Apply
Homeowners wishing to apply for assistance should complete an Osceola County Home Repair Program Screening Form. This can either be mailed or completed as part of a telephone interview. Completing the Home Repair Program Screening Form will help determine if you may be eligible and should complete the longer process of meeting with program administrators, completing more detailed forms, and gathering documents.
Contractors can bid to do work approved as part of the Home Repair Program. In order to do so a contractor should complete the Osceola County Home Repair Program Contractor Application and return it as directed on the application.
If you have questions please email or call the Osceola County Community Development office at (231) 832-7397.