Homeowner Programs

The City of Springfield collaborates with several agencies to provide permanent, new affordable rental and homeownership housing.  These units meet stringent Housing Quality Standards established by HUD and are available to low- and very low-income households.  Some units are reserved for persons with developmental and/or physical disabilities.  The City also provides support for agencies who acquire housing in less than ideal condition, completely renovate the structure using new, energy efficient materials and construction methods and provide safe, comfortable, and affordable rental or ownership housing to low-income families.  In addition, the City supports low- and very-low income homeowners with the following programs:

Homeowner Programs

Springfield Home Ownership Program.  The Springfield Home Ownership Program (SHOP) was created to encourage home ownership in Springfield by assisting Low-Income residents with the first-time purchase of a home.  The City can loan up to $7,000 toward the down payment and related costs of buying a qualified home in Springfield.  The loan is interest-free and repayment is generally not required until the home is sold, refinanced, or transferred.  The buyer must contribute at least 50 percent of the minimum down payment required by the primary lender.

How to Apply

  1. Review the HUD income limits to determine if you or someone you know is eligible for this program.
  2. Determine whether your home is within Springfield’s City Limits.
  3. Eligible Springfield residents must complete an Application Form and return it to the City, along with income and/or disability documentation.
  4. Please note that funding for all programs is limited, and clients are admitted on a first-come, first-served basis.
  5. Questions? Contact Penny Olsen!

Emergency Home Repair Program.  This program provides Emergency Home Repair (EHR) services to Very Low-Income Springfield homeowners.  Repairs must be urgent in nature, meaning that the condition to be repaired must pose an immediate health or safety hazard to the occupant or will cause significant decay to the structure if left unabated.  Up to $5,000 is available to a household over a five-year period for urgent home repairs that will enhance health, safety, or accessibility.  All work is performed by licensed and bonded contractors hired and paid by the City.  IMPORTANT: The City is unable to pay for any work that was not approved and ordered by EHR program staff. Questions? Contact Penny Olsen!

Springfield Home Improvement Program.  The Springfield Home Improvement Program (SHIP) was created to help Low-Income homeowners maintain the condition of their home by providing zero-interest, deferred payment loans up to $18,600 for repairs including, but not limited to: heating; roofing; painting; doors; windows; dry rot; foundation; electrical; weatherization; plumbing; structural; and handicap access.  The home must be owner-occupied and must be located within the Springfield City Limits.  The loan is deferred until the home is sold, refinanced, deeded away, or is no longer the principle residence of the applicant.  The City currently does not have funding for this program.