Home Improvement Program

House with roofing materials

Home Improvement

The City of Boise's home improvement loan program helps income-qualified homeowners make necessary repairs to ensure their home is safe, decent, sanitary and energy-efficient.

Types of Assistance Provided:

  • New roofs
  • New heating/cooling systems
  • Energy efficiency improvements (windows, doors, insulation)
  • Upgrades to provide ADA accessibility
  • Plumbing and electrical repairs

Types of Funding

  • Home Improvement Grants: Available to homeowners within the City of Boise, whose household income is at or below 60% of the area median income (AMI). The homeowner must meet eligibility requirements and the home must have life safety or code violation issues that can be addressed through the program.
  • Home Improvement Loans: Available to homeowners within the City of Boise, whose household income is between 61% - 80% of the area median income (AMI). The homeowner must meet eligibility requirements, minimum loan underwriting qualifications, and the home must have needed improvements that can be addressed through the program.
  • Refinance Home Improvement Loans: Available to preserve affordability for homeowners within the City of Boise whose household income is at or below 80% AMI and who meet eligibility requirements, have a current first position mortgage with an interest rate higher than offered by the city, and need eligible home improvements.

Loan terms are determined by the household income and amount borrowed. Interest rates are offered at 50 – 75% of federal interest rates, depending on household income.

Apply

Applications are accepted online only. For technical application support, contact us.

Apply Now

Non-Owner Occupied Property Preservation

The City of Boise's non-owner occupied property preservation loan program helps landlords make necessary repairs to their property to make it safe, decent, sanitary and energy-efficient for income-eligible tenants to live in.

Applications for this program will be accepted in 2022.

Multi-family building

Document Translation

Any document on Housing and Community Development's website can be translated into other languages upon request.

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Thank you for your interest in the City of Boise's Housing and Loans program. Please use the form below to contact a member of our team.