The City of Springfield, through the Office of Housing, has created a Homeowner Emergency Repair Program, using Housing and Urban Development’s (HUD) Community Development Block Grant (CDBG) program.
The Emergency Repair Program provides income-eligible Springfield homeowners with zero-interest deferred payment loans to pay for the cost of an emergency repair to their home. These loans are recorded as a lien on the property, and repayment is only required when the homeowner sells, refinances, transfers title to the property, or no longer occupies the home as a principal place of residence. Households interested in this program must first meet the following requirements:
- The home must be the owner's principal residence, and the applicant may not own other real estate.
- The property must be located in Springfield.
- Owner-occupancy must be established for a minimum of three (3) years.
- Title to the property may not have liens other than a first and/or second mortgage.
- All property taxes, fees, fines or municipal liens must be current.
- Household income may not exceed 80% of the area median income, as detailed in the following chart:
Maximum Household Income (as of 7/1/2021)
1 Person $47,150
2 Persons $53,850
3 Persons $60,600
4 Persons $67,300
5 Persons $72,700
6 Persons $78,100
7 Persons $83,500
8 Persons $88,850
*NOW ACCEPTING APPLICATIONS*
Please contact the Office of Housing at (413) 787-6500 for more information on how you may qualify.