logo for City's General Rehab and Improvements Program

General Rehab and Improvement Program (GRIP)

Is your home in need of repairs? Want an addition? Need central air? Let City of Iowa City staff help you.

You can apply for a General Rehab and Improvement Program loan from the City of Iowa City. Qualified homeowners can receive $10,000 to $40,000 in loans from the City for various projects. Resident can even get guidance on contractor selection, remodeling ideas and more.

Eligible Improvement Projects
  • Additions or renovations
  • Finishing basements
  • Installation of central air or furnace upgrade
  • Kitchen and bathroom renovations
  • Windows and doors
  • Updating plumbing or electrical
  • Accessibility improvements
  • Painting and siding
  • Historic Preservation, and more
Person making repairs on a house.
Loan Payments

Loans are secured through the City at 2.75% and are repayable over 20 years. Here are examples of monthly minimum payments for a 2.75% interest loan, and payment for typical monthly payments for projects done without GRIP:

Loan Amount      GRIP Payment           Typical payment (w/o GRIP)

$10,000               $54.22 (20 years)      $181.92 (five years)

$30,000               $162.65 (20 years)    $545.75 (five years)

Applicant Eligibility

Applicants must live within Iowa City’s city limits and the home must be single-family, owner-occupied. There must be enough equity in the home to secure a loan.

Applicants must meet these income requirements:

Household Size       Maximum Income

1                               $83,930

2                               $95,920

3                               $107,910

4                               $119,900

5                               $129,580

6                               $139,150

7                               $148,720

8                               $158,290

Effective June 15, 2022

How To Apply

Visit www.icgov.org/houserehabinfo for more information and to fill out a form online. Applications are also available at the Housing Rehabilitation Office in the Neighborhood and Development Services Office on the second floor of City Hall, 8 a.m.-5 p.m. Monday-Friday.


Neighborhood and Development Services
City Hall, Second Floor
410 E. Washington St.
Iowa City, IA 52240

Liz Osborne: 319-356-5246

City Government