Community Development Block Grants (CDBG)
The Community Development Block Grant (CDBG) program works to ensure decent affordable housing, to provide services to the most vulnerable in our communities, and to create jobs through the expansion and retention of businesses. CDBG is an important tool for helping local governments tackle serious challenges facing their communities. The CDBG program has made a difference in the lives of millions of people and their communities across the Nation.
About the Programs
These programs are designed to provide emergency and other repairs of homes owned by lower-to-moderate residents. In general, the program allows improvements to a home to bring it to minimum code standards, correct barriers to mobility and health, and to address safety hazards and energy improvements. The most common repairs include roofs, electrical, plumbing, and furnaces. Other repairs are allowed under the program, but remodeling is not covered, nor is substantial reconstruction.
The Programs are funded through the U.S. Department of Housing and Urban Development CDBG program. Work is performed by qualified, licensed and insured contractors. The homeowners must agree to sign a Mortgage and Promissory note, which is filed against the property to secure the loan. There is no interest charged and no payments are made during the life of the deferred loan, unless the homeowner moves or there is a change in the ownership of the property.
The annual CDBG appropriation is allocated between States and local jurisdictions called "non-entitlement" and "entitlement" communities respectively. Entitlement communities are comprised of central cities of Metropolitan Statistical Areas (MSAs); metropolitan cities with populations of at least 50,000; and qualified urban counties with a population of 200,000 or more. States distribute CDBG funds to non-entitlement localities not qualified as entitlement communities.
Housing and Urban Development (HUD) determines the amount of each grant by using a formula comprised of several measures of community need, including the extent of poverty, population, housing overcrowding, age of housing, and population growth lag in relationship to other metropolitan areas.
Keep in mind the following these points:
1) You must complete, sign and date the application.
2) Missing documentation and uncompleted information will delay processing your application.
How to Apply
If you are interested in applying for a CDBG Home Rehab loan, you must:
1) Read the FAQ page before proceeding to the application. Reading this page is a requirement for eligibility.
2) Complete the application and lend all necessary, organized file copies to Taylor City Hall at 23555 Godard, Taylor, MI, 48180.
If you have any questions, feel free to contact our office at any time. We may be reached at 734-287-1352.