Under the HOME SFOOR program, the City will be able to assist approximately ten owner-occupied households with the rehabilitation of their homes. The assistance will be in the form of a forgivable zero percent interest rate loan for as much as $40,000. The amount of the loan will depend on the condition of the home and how much rehabilitation work is needed.

Eligibility Requirements

The homes must be located in the target area approved by IHDA. The target area includes parts of Northwest Carbondale and Tatum Heights. (See Map At Right) The income limits for participation in the SFOOR program are the same as for the Homebuyer Assistance Program and the Community Development Assistance Program. The value of the home after it is rehabilitated cannot exceed $258,690. Persons wanting to participate in the SFOOR program will have to make application to the City of Carbondale for assistance.

The forgivable loan mechanism used for the SFOOR program is the same as described above for the Homebuyer Assistance Program. Depending on the amount of financial assistance provided by the City, the loan period will be 5 or 10 years and the loan will be forgiven at a rate of 1/60th or 1/120th for each month the owner occupies the home. At the end of the 5 or 10 years, the loan will be totally forgiven.

The Application Process

Applications have already been accepted for the current grant.
Contact Khristina Vaughn, Housing Programs Administrator
email: kvaughn@ci.carbondale.il.us
Phone: 618-549-5302 ext. 233
or at the City Hall/Civic Center
200 South Illinois Avenue
P. O. Box 2047
Carbondale, Illinois 62902-2047 to receive information about the program and to be put on a mailing list for notification on future funding.

HOME Single Family Owner Occupied Rehabilitation Program Summary

Target Area: Part of Northwest Carbondale, Northeast Carbondale and Tatum Heights

Assistance Available: Forgivable 0% interest rate loan for Housing Rehabilitation

Maximum Income for Eligibility:

Family Size/ Maximum Income:
1 Person $30,600    -    2 People $35,000
3 People $39,350    -    4 People $43,700
5 People $47,200    -    6 People $50,700
7 People $54,200    -    8 People $57,000
Income limits available for larger families

Maximum Home Value After Rehab: $258,690

Grant Requirements: Must own and occupy the home, have homeowner’s insurance, have property taxes up to date

Maximum Assistance: $40,000

For more information contact:
Khristina Vaughn, Housing Programs Administrator
email: kvaughn@ci.carbondale.il.us
Phone: 618-549-5302 ext. 233
or visit us at the City Hall/Civic Center
2nd Floor, Room 251
200 South Illinois Avenue
Carbondale, Illinois 62901

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