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Housing Loan Programs

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Insurance Updates

If you have a loan through the City of Janesville, and received notice or need to update your insurance information, you can submit your updated insurance information through our website Please be sure to include your name and the property address that you received assistance for in the body of the email. With any questions, please contact Chelsea Volden-Stammen at (608) 755-3109 or at

Down Payment and Closing Cost Assistance

Are you ready to purchase a new home, but are having trouble saving for the down payment and/or closing costs? If you are a first-time home buyer and plan to buy within the Janesville City limits, the City of Janesville may be able to help. Loans up to $6,000 are available to low to moderate income households to help with down payment and closing costs. To be eligible, total annual household income must be at or below 80% of the County median income, the household must complete a HUD-certified home buyer counseling program, and/or Home Buyer Workshop. Loans are forgiven over five years of continued occupancy, so at the end of five years you owe nothing. For more detailed information about the program contact Carrie Clark in Housing Services at (608) 373-3441.

Home Improvement Program

This new and improved Home Improvement Program has taken many different forms over the course of time in response to the changing needs of the community. The goals of this new program include providing decent, safe and sanitary housing as well as a suitable, sustainable living environment. The Home Improvement Loan is for up to $50,000 deferred until the time of sale with no monthly payments, and no interest! Qualifying households must be owner occupied properties within the city limits of Janesville, household incomes at or below 80% of County Median Income, and a minimum Credit Score of 620. For properties within census tracts 1, 3, 4 and 10, the City offers a half deferred until sale and half forgiven over ten years term.For more information, call Chelsea Volden-Stammen in Housing Services at (608) 755-3109. 

Family Size Income
1     $ 39,700.00
2     $ 43,350.00
3     $ 51,000.00
4     $ 56,650.00
5     $61,200.00
6     $ 65,750.00
7     $ 70,250.00
8     $ 74,800.00

Rental Rehabilitation Program

If you own rental property within the Janesville city limits and you would like to make improvements, funds may be available through the HOME program. Loans are available up to $14,999 per unit, to fund improvements such as roofing, windows, insulation, interior remodeling and mechanical systems. The loan is deferred at 0% interest during construction and converts to a Prime + 1% interest-bearing loan amortized over ten years post-construction. Landlords must agree to rent to low income tenants, or tenants with household incomes less than 60% of the Rock County median income level at Fair Market Rent levels, for an affordability period of five years following completion of the project. A Restrictive Covenant is recorded against the property for the term of the affordability period. For more information contact Neighborhood & Community Services. Rental Rehabilitation application's are available through our website, or in our offices.

Lead Grant Program 

The Wisconsin Lead-Safe Homes Program offers up to $25,000 in grant assistance to help make your home lead safe. The full amount of this grant is completely forgivable upon completion of the project.. In order to qualify for this grant, your property must be owner occupied, constructed prior to 1978, property taxes, homeowner’s insurance, and water billing must be current, there must be children under the age of 19 living in the household, and the loan applicant should have a satisfactory credit history.

Monthly income limits according to household size

 1  2  3  4  5  6
 $3,122  $4,228  $5,333  $6,437  $7,543  $8,648


Applications for the loans listed above can be found in our Applications/Forms page

.Housing Loan Program Contractors

City of Janesville Housing Loan Programs emphasize the importance of craftsmanship and quality materials in work performed. Contracts for work under the City of Janesville Housing Loan Programs are awarded only to pre-qualified contractors. Contractor Qualification Forms can be printed through our website, or you can pick one up in our offices. 

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