The mission of the Office of Neighborhood Services is to improve the quality of life for Columbia’s residents through fairly and swiftly enforcing city codes related to residential life and build a sense of community by offering valuable volunteer opportunities, providing resources for neighborhood leaders to solve issues independently and managing donations to support our community.
This program promotes neighborhood stability by making low interest loans to low-and-moderate income property owners to make necessary improvements to their homes.
Homeowners are eligible to apply for the repair program if they:
Complete your application and return it to the Community Development Department. Your name will be added to the program’s waiting list. Complete applications will be processed in the order in which they are received.
Once city staff reach your name on the waiting list and determine that you meet the eligibility requirements, they will meet with you at your home, complete an inspection, and make a determination about the work your home needs. Bids are solicited from at least three general contractors. After bids are received, your application is taken to the City Loan and Grant Committee for approval.
City rehab staff work with up to six applicants at one time. The entire process for each round (from initial inspection to approval) takes approximately six to twelve weeks.
No, you must contract with a general contractor to complete the work on your home.
Maximum funding amount is $35,000 ($25,000 for rehab activities and $10,000 for addressing lead-based paint hazards).
Deferred loans may be granted to households earning less than 30% of the HUD determined Area Median Income; or households owned by persons aged 62 or older; or individuals that are disabled. Loans are deferred at 0% and due on title transfer as long as the owner continues to own and occupy the property.
Participants not eligible for deferred loans will have regular monthly payments established on 50% of their loan amount at 0% interest over 15 years. The balance will be deferred at 0% interest until title transfer.
Loan funds are used for necessary improvement, and could include one or more of the following:
Click here to download the application. Applications are also available in the Community Development Department or can be mailed, upon request. Completed application must be submitted with required documents.
For more information about this program contact
Community Development at 701 E. Broadway (Daniel Boone Building)
Telephone: (573)874-7239 (TTY: 1-800-MOR-ELAY)