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 federal funds for loan programs that help low- and moderate-income homeowners maintain and improve their homes.

Hover over each before image to see the after image.

To apply for any of Urban Development Department's home repair loans, please print out and complete the Application. To speed up your application process, please include all requested materials with your pre-application.

Home Improvement Loan Program - or HILP

HILP has been discontinued. Those who have already received a HILP loan will continue with no change.

Initially, UDD expected to replace HILP with a similar program, but that possibility is on indefinite hold for a variety of reasons. Funds designated for HILP have been redistributed to the existing Emergency Repair Loan Program and the Direct/Deferred Loan Program.

If all or part of your desired home improvement appears to be within the parameters of either of those two programs (described below), please call 402-441-7864, email , or stop by 555 S.10th Street, Suite 205.

Emergency Repair Loan Program

Before After
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
  • All members of the homeowner's household must be U.S. citizens or qualified aliens
  • 0% interest deferred payment loans
  • Income cannot exceed 50% of Lincoln median income

Direct / Deferred Loan Program

Before After
Before After
  • 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.)
  • All members of the homeowner's household must be U.S. citizens or qualified aliens
  • 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