Owner-Occupied Home Improvement Program

The Owner Occupied Home Improvement Program is designed to provide an affordable means by which

very low and low income home owners can correct code violations in their homes and improve their



Funding secured from the NYS Affordable Housing Corporation, the City of Niagara Falls, & New York

State Division of Housing & Community Renewal is used to provide Grant and Loan assistance to

qualified families.


Qualifying families will receive a grant covering up-to 80% of the cost of the home improvement and

a 3% low interest loan through Center City covering the remainder of the cost. 


Center City's in-house Rehab Specialist will inspect the home with the owners, complete improvement

specifications, Bid the job to approved contractors and Monitor Construction Rehab. 


1)     Property must be located in the Center City Service Area

2)     Deed must be in applicant’s name

3)     Taxes must be paid current on property

4)     Property must be insured

5)     No second mortgage or home equity loan allowed

6)     Household must have an ability to repay the loan portion

7)     Property can NOT have had any work done by Center City, Community Development or Neighborhood Housing in the last 15 years

8)     Structure must meet all Code and Housing Quality Standards upon completion of the Rehabilitation

9)     Household must meet income eligibility requirements


2016 Income Limits


Maximum Income


Family Size

(80% or less AMI)