PATCH Program (Providing Assistance To Community Homeowners)

PATCH Program Overview

Program Name: PATCH (Providing Assistance To Community Homeowners)

Geographic Scope: Linn County, Iowa

Background: Cedar Valley Habitat for Humanity is a member of the PATCH program, which aims to fill a gap in resources following the Derecho storm. The program provides support, referrals, and financial assistance to low-to-moderate income Linn County homeowners impacted by the storm.

Program Managers: Housing Fund for Linn County and ECICOG serve as application managers for homeowners and collaborative organizations.

Types of Assistance Provided

Construction Management Support:

• Identifying immediate needs
• Identifying contractors
• Scheduling work
• Working with contractors throughout the construction/repair process

Financial Assistance:

• Forgivable loans up to $15,000
• 5-year forgivable mortgage placed on the property for the loan amount
• Repayment occurs when homeowner receives FEMA, SBA, insurance, or other proceeds
• A portion may be forgiven if the amount received from the above sources does not cover costs
• No credit check required to qualify

Eligibility Requirements

Homeowner Status:

• Applicant must be the homeowner according to the Cedar Rapids or Linn County Assessor's office

Property Requirements:

• Home must be owner-occupied
• Primary residence as of 8/10/2020
• Taxed as real estate
• Located in Linn County
• Insured or capable of being insured after work is completed

Income Requirements:

• Annual household income must be at or below specified amounts by household size (income limits table available on website)

Contact Information

Cedar Valley Habitat for Humanity

• Address: 350 6th Ave SE, Cedar Rapids, IA 52401
• Phone: 319.366.4485
• Office Hours: Monday – Friday 9:00 a.m. to 5:00 p.m.

Application Process

Applications should be submitted to Housing Fund for Linn County and ECICOG, who serve as the application managers for the PATCH program. Contact Cedar Valley Habitat for Humanity for application details and submission procedures.

Contact Information:

• Cedar Valley Habitat for Humanity
• 350 6th Ave SE, Cedar Rapids, IA 52401
• Phone: 319.366.4485
• Office Hours: Monday – Friday 9:00 a.m. to 5:00 p.m.