Community Development Block Grant
The Community Development Block Grant (CDBG) Program provides financial assistance to eligible property owners and organizations. Block grant funds are federal dollars used to provide decent housing, a suitable living environment, and expanded economic opportunities - principally for low and moderate income persons in the community. The funds are allocated to the City of Waukegan are based upon a formula devised by Congress; therefore, the total funds available varies each year.
Homeowner Assistance Available
The City of Waukegan CDBG office has funding available to assist income eligible Waukegan resident with rehabilitation to their homes. The programs available includes both emergency repairs and substantial rehabilitation. Emergencies are addressed immediately. Emergency assistance is provided for residences having problems with their homes that relate to health and safety issues. Included in this category are items such as:
- Dangerous electric installations
- Inoperative or dangerous furnace
- Leaking roofs
- Waste (sewer) lines that are collapsed or don't drain
- Water supply lines that no longer provide water to in-house fixtures
The Substantial Rehabilitation Program addresses substandard single family owner occupied units by bringing the units up to local building code. Substantial rehab is addressed as an applicant's number comes up on the CDBG waiting list. Individuals are qualified through a process established by the U.S. Department of Housing and Urban Development (HUD) and the local CDBG guidelines.
First, individuals in need of assistance must submit a Housing Rehab Pre-Screening Intake Form (PDF) (available in the CDBG office located in Waukegan City Hall). Once the applicant's name has reached the top of the waiting list, a full application will be mailed to the applicant. CDBG staff will review it to determine an applicant's eligibility.
Rehab Program Qualifications
- Waukegan Resident
- Income Qualified
- Owner Occupied (at least 1 year)
- Must live in residence
- Payments must be current on Mortgage, Property Taxes, and Homeowner Insurance
If you meet all of the qualifications, you may be approved for a no interest deferred loan. Payment is not due until the sale of the property or refinancing (depending on terms and conditions of the loan). Repayment after 10 years is reduced anywhere from 25 to 50%.
Proof of homeownership, income, mortgage and property insurance is required at time of application.
We are here to assist you. If you have question regarding the program, please feel free to contact our office at 847-599-2530.