Home Improvement Loan Program


Home Improvement

Boise's Home Improvement Loan Program assists low/moderate income homeowners in order to make necessary repairs to bring their home up to code and make it a safe, decent, and sanitary place to live. Loans are available for energy and accessibility improvements, as well as general housing repairs.

Loan terms:

  • Estimated Annual Percentage Rate (APR) is 3%  
  • Minimum loan amounts are $1000; maximum loan amounts are $60,000--based on equity in the home
  • Limited funds available for non-owner occupied improvements through this program
  • Terms are generally one year per $1000 borrowed; however, the City will work to find terms that may be agreeable to ensure completion of the project without causing financial distress

How to Apply

To see if you qualify, complete the Pre-Qualification Application.

NOTE: Households must be at or below 80% of Area Median Income (AMI) as defined by the U.S. Department of Housing & Urban Development (HUD) in order to be approved. The numbers below are provided by HUD, effective 3/6/15.

Complete the Home Improvement Loan Application (submittal information can be found on application).  (Spanish application)

 Infographic Screenshot  Criteria Screenshot