How much is the processing fee for all project?

There is a $150 application processing fee for all projects. You will need to pay $35 when you submit your application. The remaining $115 will be due when you sign a contract for repairs to be performed on your home.

What is the minimum credit score to qualify for this program?

Credit scores are not a requirement for this program, though other requirements do apply and are referenced in the Request for Assistance form.

Is this loan a second mortgage or a reverse mortgage?

Loans that are $5,000 or greater from Wichita Habitat for Humanity will be considered as a second mortgage to the homeowner.

Home Repair

Keeping Homeowners Safe and Healthy in Their Homes

Home Repair Program

Wichita Habitat for Humanity's Home Repair Program partners with income-eligible homeowners experiencing critical interior and exterior issues that threaten the health, safety, and accessibility of their homes. These repairs can address deferred maintenance, sudden damage, or everyday wear and tear.

Our focus is on essential health and safety concerns, accessibility modifications for seniors and people with disabilities, housing code compliance, and safeguarding the overall structural integrity of the residence.

Read eligibility requirements

Why Home Repair?

By providing comprehensive repairs, the program empowers homeowners to age in place with dignity and security in their own homes. This not only benefits them but also helps preserve valuable affordable housing options within the community, contributing to a thriving environment for all.

Types of Repairs

Critical Repairs

Roof and gutter repair or replacement, upgrading electrical systems, replumbing, repair or replacement of windows

Minor Repairs

Minor electrical, plumbing, and water heater replacement, HVAC repair or replacement, siding and paint

Accessibility

Ramps, grab bars, bathroom modifications, and other accessibility accommodations within the scope of work

Other Home Preservation

Energy efficiency upgrades, tree hazards and site cleanup

What we don't cover:

Wichita Habitat for Humanity does not perform upgrades, repairs, or replacements on the following: foundation, fences, aesthetic (non-critical) home improvements, home expansions, repairs to mobile homes, detached sheds or garages.

We are not an emergency repair program.

If you are in need of immediate assistance with home repair, please call United Way by dialing 211 for a list of emergency repair organizations available in your area.

Wichita Habitat for Humanity is an Equal Housing Opportunity agency. All qualified applicants will receive consideration for our programs without regard to race, color, religion, national orientation, sex, disability and familial status. Read our Fair Housing Statement.

How to Request Assistance

5. Next Steps

If your home qualifies, you will be invited to submit an application and the required documentation. Your application will be evaluated to determine eligibility for the program and whether you qualify for grant assistance and/or a zero percent (0%) interest loan to cover all or a portion of the cost of repairs. See the HUD Annual Gross Household Income Limits.

4. Home Inspection

We will contact you to schedule an inspection of your home to evaluate whether the rpeairs needed will qualify for the program.

3. Habitat Follow-up

Once we receive your Request for Assistance, we will review your submission and contact you with further questions or requests for more information and required documentation.

2. Request for Assistance

Submit a Request for Assistance form online or by mail below. This request is your opportunity to tell us about yourself and your home repair needs.

1. Attend an Informational Session

Learn about the Home Repair Program by attending an informational session. These sessions provide an overview of our program, eligibility requirements, and the application process. You may attend an informational session before or after submitting a Request for Assistance.

Details about a loan with Wichita Habitat for Humanity:

Loans are available for home repair needs in Sedgwick County. The zero percent (0%) interest loan will be paid in equal monthly installments over a period of one (1) to 15 years. We are committed to working with qualified applicants to determine the loan amount and term that best suits their needs.

Request for Assistance (Online)

Download Form (Printable PDF)

"Before the remodel, using the shower with my cane was a nightmare. The floor was spongy and uneven, and that window was useless! Now, everything's safe and accessible. Huge thanks to the crew, they were fantastic!"
Jim, Home Repair Program Homeowner

Eligibility Requirements

Wichita Habitat for Humanity has requirements that you must meet in order to be eligible for repair assistance. Please be advised that the following list does not include all requirements for this program and it is subject to change at any time at the discretion of the program's administration.

Your home must be located in Sedgwick County, KS.

All persons on the deed must agree to participate as applicants in the Home Repair Program.

At least one applicant for this program must occupy the home as their primary residence.

At least one homeowner on the deed must be a U.S. citizen or permanent resident.

You must be current on the home's property taxes, mortgage payments and utilities.

You must have homeowners insurance or a recent denial letter (within last 90 days) from your insurance company with an explanation of denial for coverage.

All rooms in the home, and the area around the exterior of the home, must be accessible for a home inspection.

Homeowners' must be willing to 'partner' with Wichita Habitat for Humanity, willing to gather necessary documentation to determine your income eligibility, communicate with Wichita Habitat staff and our contractors, allow access to your home, maintain homeowners insurance, speak to others about your Wichita Habitat experience, etc.

Your home must be on a permanent foundation.

You cannot be running a business out of your home.

Your home must demonstrate a need for home repair per Minimum Housing Quality Standards, but not exceed the program's maximum amount for home repairs. (Don't worry, we will figure this one out!)

Your household income cannot exceed 100% of the Area Median Income (AMI) shown in the table on the webpage.

2025 HUD Annual Gross Household Income Limits

Household Size	Below 35% AMI	35-60% AMI	61-80% AMI	81-100% AMI
1 Person	$22,995	$39,420	$52,560	$65,700
2 People	$26,285	$45,060	$60,080	$75,100
3 People	$29,575	$50,700	$67,600	$84,500
4 People	$32,830	$56,280	$75,040	$93,800
5 People	$35,490	$60,840	$81,120	$101,400
6 People	$38,115	$65,340	$87,120	$108,900
7 People	$40,740	$69,840	$93,120	$116,400
8 People	$43,365	$74,340	$99,120	$123,900
Repayment Amount	$150 Processing Fee	25% Repayment Required	40% Repayment Required	100% Repayment Required

Frequently Asked Questions

Wichita Habitat for Humanity provides both the repair and the financing needed to cover the cost of the work. This means that Wichita Habitat will act as the contractor and the lender.

We offer a fixed zero-percent (0%) interest loan and/or grant assistance on a sliding scale based on the household income. The gross household income (all household members 18 years of age and over will be considered) must fall below 100% of the Area Median Income (AMI) based on HUD Income Guidelines for the current year as shown in the HUD Annual Gross Household Income Limits.

There are no additional payment requirements for households below 35% of the Area Median Income (AMI). However, homeowners with income between 36-100% of AMI will need to pay for a percentage of the repair costs. The exact percentage depends on the total household income as shown in the HUD Annual Gross Household Income Limits. If applicable, payments on a zero-percent (0%) interest loan with Wichita Habitat for Humanity will begin the month following the completion of the project and will be paid through equal monthly installments over a period of one (1) to 15 years.

If you have deferred maintenance needs, but you are not sure if this program is the right fit, we can assist you in this process!

We understand getting a repair can be overwhelming. Our request for assistance form guides you through questions about the current state of your home. If you are selected to move forward with the program after determining you are eligible from a financial perspective, we send our Home Repair team to meet with you to go through your home and repair needs. Often, our staff may even see repairs you were not aware were necessary.

Our staff will balance what you request with what your home needs to remain a safe and healthy place to live.

This program is aimed at addressing large repairs that are necessary to keep your home in good working order. This program may be the right fit if you need one or more of the following repairs (this is not an exhaustive list):

Roof repair or replacement
Plumbing repairs
Electrical repairs
Window(s) repaired or replaced
Heating system repair or replacement
Accessibility adaptation in certain parts of your home, such as your bathroom, porch, and/or entry
Siding replacement
Energy efficiency upgrades

Upcoming Events

Meet Our Team

Below are some of the staff you might meet when working with us. We are very proud of our team and the great service they provide to our partners. We will be glad to answer any questions you have about the home repair process.