Home Rehabilitation
Help is available in the form of a no-interest loan to help cover repair costs of low- and moderate-income homeowners in the City of Waco. Qualified participants can receive up to a $50,000 no-interest loan.
Lead-Based Paint Abatement
The Home Rehabilitation program will also address lead-based paint hazards. For Home Rehabilitation work on homes found to contain lead-based paint, corrective actions will be taken in accordance with HUD Regulation by certified workers using approved methods.
Who is Eligible?
- Homeowners who have proof of ownership or have a clear title to the home within Waco city limits
- Participants who have occupied the home minimum of two years
- Household income at or below 80% of the area median income (AMI)
- The property is your primary residence
- Property taxes are current and paid in full
- Insured home/property
More terms may apply to this program. For more information, please call (254) 750-5656 or email HCD@wacotx.gov.
Repayment Schedule
Eligible clients over the age of 62 will not have loan repayment requirements. The schedule below applies to clients 18 to 61 years old.
| Median Income Level |
Repayment Percentage |
Deferred Forgivable Loan Percentage |
| 50% or below |
0% |
100% |
| 51% to 61% |
30% |
70% |
| 61% to 70% |
40% |
60% |
| 71% - 80% |
50% |
50% |
How to Apply for Assistance
When you access the Portal for the first time, you’ll need to Register your account by clicking on the Register link. The registration process will create a username (which is your email address) and password that will be used for future logins. The email address you choose will also be used for system emails/notifications, so it is recommended to use your work email address. For security purposes, the system will validate that you own the registered email address by sending an email with a validation link.
Note: If you do not receive the system email within 2 minutes, check your spam or bulk mail folder.
Once your account has been registered, you may login by entering the email address and password used during registration.
Begin the Application
Once you’re logged in, select the program you’re interested in applying for by clicking the blue link titled Start Application.
Multiple Users
Participants may provide access to multiple persons to edit and update the application by clicking on the View Users icon and clicking Add a User.
Assistance
You may call (254) 750-5656 or email hcd@wacotx.gov for assistance.
Income Guideline
The income criteria used is determined on a case by case basis.
The 2024 HUD Income Guideline as of 5/01/2024.
More Information
| Family Size |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
| 80% AMI |
$45,550 |
$52,200 |
$58,600 |
$65,100 |
$70,300 |
$75,550 |
$80,750 |
$85,950 |
The 2024 ARPA Income Guideline as of 1/12/2024.
| Family Size |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
| 300% FPL |
$45,180 |
$61,320 |
$77,460 |
$93,600 |
$109,740 |
$125,880 |
$142,020 |
$158,160 |
Families that reside in a Qualified Census Tract automatically meet the income criteria.
For a map of QCT - Go to huduser.gov, zoom in, and click "Color QCT Qualified Tracts" on the right.