Good, safe, affordable housing is a precious community resource. In Lincoln, much of that resource is found in Lincoln's older, low- to moderate-income neighborhoods. While conscientious landlords have a significant positive impact in these neighborhoods, homeownership appears to be the key factor of well-maintained neighborhood housing. In keeping with that, UDD uses funds from several sources (federal, state, and local) for programs that help low- and moderate-income homeowners maintain and improve their homes.

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Home Improvement Loan Program - or HILP

HILP has been discontinued, but a new, similar program is being developed which is expected to be ready in late 2017. Those who have already received a HILP loan will continue with no change. To be notified when the new program is available, email or phone 402-441-7864.

Emergency Repair Loan Program

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Before After
Before After
  • For emergency repair, such as replacing furnaces, water heaters, dangerous wiring, etc.
  • For homeowners within the city limits
  • Homeowner must live on the property
  • 0% interest deferred payment loans
  • Income cannot exceed 50% of Lincoln median income

Direct / Deferred Loan Program

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Before After
  • Available only to applicants who have been denied a home improvement loan by a lender
  • Property can have 1-4 living units but the homeowner must live on the property
  • Property must be in low- and moderate-income (LMI) areas (see map)
  • Annual income cannot exceed 80% of Lincoln median income
  • For eligible repairs and improvements — call 402-441-7864 for more information
  • Direct loans have a 0% interest rate and a minimum monthly payment of $50
  • Deferred loans also have a 0% interest rate, but your monthly payments are deferred for two years