Home Ownership Assistance Program


900 Jackson St, Suite LL5-2E, Dubuque, IA 52001 

Tel: (563) 556-2195, Fax: (563) 582-4904

E-mail: Director@HabitatDJC.org

Habitat for Humanity is a self-help home building program. Families pay for their homes with zero interest mortgage that is about 25% of their monthly income. To be approved for Habitat for Humanity homeownership:

⦁ Family must not currently own a home;

⦁ Must have steady monthly income of no more than 60% of local median income; and

⦁ Must be willing to help build their own home as well as help with other Habitat homes.

Habitat has been renovating and building new homes in Dubuque/ Jackson Counties since 1991.

Click on the following to find out more: https://habitatdjc.org/



Single Family Housing Direct Home Loan Program


This program assists low- and very-low-income applicants to obtain decent, safe and sanitary housing in eligible rural areas of populations less than 20,000 people. The 502 Direct program offers payment assistance to those who are eligible, which helps reduce their monthly mortgage payment and can reduce their interest rate to as low as 1%. This loan is 100% financing and no down payment is required.

Single Family Housing Guaranteed Loan Program - RD-GHia@ia.usda.gov

This program assists approved lenders in providing low- and moderate-income households the opportunity to own adequate, modest, decent, safe and sanitary dwellings as their primary residence in eligible rural areas. Eligible applicants may build, rehabilitate, improve or relocate a dwelling in an eligible rural area. The program provides a 90% loan note guarantee to approved lenders in order to reduce the risk of extending 100% loans to eligible rural homebuyers. This loan is also available to those who live in a rural, eligible area with populations less than 20,000 people.



Identify and take actions necessary to acquire, rehabilitate, and re-sell blighted rentals as single-family homes to Dubuque's growing workforce. Identify and take actions to support low-income residents' ability to afford to purchase and maintain these homes, including collaboration with workforce programming, financial institutions, nonprofits, and government agencies. 

For More information visit: https://www.greaterdubuque.org/gddc/entrepreneurs/dubuque's-true-north