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Home Improvement/Home Repair

Community Development Block Grant Program

Home Improvement Loan Program

This program is available to all eligible participants living within participating jurisdictions. This program will provide 0% interest, five-year forgivable $5,000 loans to income-qualifying households for the rehabilitation of owner-occupied,single-family dwellings. The purpose of the loan is to bring existing housing up to code (priority to exterior conditions) and create opportunities for needed improvements as well as addressing accessibility and safety issues. The household must qualify as low income with priority given to those households meeting very low income. If the homeowner continues to live in and maintain the home for five years from the date of signing the loan document, the loan is automatically forgiven.

Applications

Access an application. You will be able to see more detailed information on program guidelines and the eligibility worksheet.

Program Questions

Questions regarding the program and income qualifications should be directed by email to CDBG@stcharlescitymo.gov, or by calling Kathleen Thompson at (636) 949-3214.

Emergency Repair Program

The objective of this program is to help income-qualifying residents of the Urban County who experience an emergency need for eligible repairs. This program is offered through the St. Charles County Community Development Block Grant Program.

This program is available to all eligible participants living within participating jurisdictions including the City of Wentzville. This program will provide 0% interest 5-year forgivable $5,000 loans to income qualifying households for emergency repairs. Emergency repairs could include water, sewer and HVAC repairs. The household must qualify as low income with priority given to those households meeting very low-income guidelines. 

Home-Down Payment Loan Program

The HOME St. Charles program is an effort by the County to provide zero-interest down payment loans to income-eligible homebuyers within the participating jurisdictions of the St. Charles Urban County, Cottleville, Dardenne Prairie, Lake St. Louis, St. Paul, St. Peters, Weldon Spring, Wentzville or the unincorporated area of St. Charles County. Under this initiative, the County will purchase subordinated second mortgage loans which finance, in conjunction with the origination of the primary loans by the Mortgage Lender, the down payment and eligible closing associated with acquiring qualified owner-occupied residences. 

  • Housing counseling is required
  • Loan amount is up to $5,000

Participating Lender/Counseling Agencies

More Info