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Eligibility Criteria

  • Applicant(s) must own and occupy a home in the city of Flint.
  • Homeowner(s) must pre-qualify and agree to pay for the cost of repairs (including change orders) not to exceed $20,000 with low- or no-interest rates for up to 84 months.
  • Homeowner(s) must be either a U.S. Citizen or a Permanent Legal Resident.
  • An eligible home must be a single family residence (SFR).
  • The property must be habitable.
  • Income guidelines vary based on funding availability. Repayment is on a sliding scale based on the gross household income and the area median income (AMI) for Genesee County as indicated by the Department of Housing and Urban Development (HUD) within the given year applied.

How to determine your repayment amount

Step 1

How many people live in your household?

  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8

Step 2

What is your total annual household income?  

 
  Household Members  

Income

1

2

3

4

5

6

7

8

Repayment

< 30% AMI

$13,800

$15,800

$17,750

$19,700

$21,300

$22,900

$24,450

$26,050

5%

50% AMI 

$23,000

$26,250

$29,550

$32,800

$35,450

$38,050

$40,700

$43,300

30%

80% AMI 

$36,750

$42,000

$47,250

$52,500

$56,700

$60,900

$65,100

$69,300

50%

100% AMI 

$46,000

$52,500

$59,100

$65,600

$70,900

$76,100

$81,400

$86,600

100%

120% AMI

$55,200

$63,000

$70,920

$78,720

$85,080

$91,320

$97,680

$103,920

100%

 

Homeowner(s) must be current with the following:

  • Mortgage loan payment (if homeowner is still making payments)
  • Homeowner’s insurance policy
  • Property taxes

If your household income is more than 80% AMI, you may not qualify for no-interest loans through the Flint HIF. However, you can apply for a low-interest unsecured loan through Huntington Bank. Interest rates, product eligibility and repayment terms vary and are based on borrower eligibility subject to lender guidelines and approval. Huntington Bank is an equal housing lender.

For questions or additional information, please contact us at (810) 766-9089 ext. 214 or info@Flint-HIF.org.