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O’Fallon’s Home Improvement Loan Program

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O’Fallon’s Home Improvement Loan Program assists qualifying low-income homeowners with home maintenance

If you are a low-income O’Fallon homeowner, you may be eligible for help with home repairs through O’Fallon’s Home Improvement Loan Program. The program provides forgivable, zero-interest loans of up to $5,000 on a first-come, first-served basis to applicants who qualify. If the homeowner continues to live in the house for five years without selling, the loans will be forgiven.

The 2016 income limits for homeowners are based on total gross incomes of no more than: $39,400 for a one-person household, $45,000 for a two-person household, $50,650 for a household of three, $56,250 for a household of four, $60,750 for a five-person household, $65,250 for a six-person household, $69,750 for a seven-person household and $74,250 for an eight-person household.

In general, the program’s funds can be used for repairing or replacing HVAC units, windows, roofs, siding, sump pumps, water heaters and much more. Funds can only be used for home maintenance and to address code violations.

In addition to HUD income limits, applicants must meet other standards to qualify for the program, including owning and occupying the house to be improved for at least one year, and be up-to-date on mortgage payments and real estate taxes. For an application or more information about applying for the program, visit Or, contact Ms. Jaegers at 636-379-5411 or