PATCH Program (Providing Assistance To Community Homeowners)

PATCH Program Overview

Program Name: PATCH (Providing Assistance To Community Homeowners)

Status: Active - available as long as funding source is available

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.