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Habitat for Humanity of North Central Iowa is currently receiving applications for our Home Repair Program in our six county area, Cerro Gordo, Franklin Hancock, Winnebago, Worth and Wright counties. Please check out the guidelines below to qualify.

The purpose of this program is to help working families maintain their homes and keep their community thriving. This program offers needed home maintenance and repair to existing home owners who meet income eligibility guidelines. This can include critical home repair, preservation, and weatherization.

Critical Home Repair – Interior or exterior work performed to alleviate critical health, life and safety issues or code violations.

Projects can include:

  • accessibility modifications like ramps, lever handles, door modifications
  • plumbing,electrical and mechanical extensions or installations
  • roof and porch repair

Weatherization – Interior or exterior work to an existing home based on an energy audit and a resulting defined scope of work. Improvements focus on energy efficiency, indoor air quality, and comfort.

Projects can include:

  • insulation, caulking, weather stripping, windows
  • energy efficient toilets, low flow water fixtures
  • mechanical system components and appliances

Home Preservation – Exterior work including replacement of materials for the purpose of maintaining good or sound condition.

Projects can include:

  • siding repair and painting
  • driveway and sidewalk repair
  • landscaping and tree trimming


The application cycle for the Modular Ramp Program is currently closed.  If you are interested in a ramp please call our office and we will add your name to our notification list. You must reside in our six county area to qualify for this program. Our service area includes: Cerro Gordo, Franklin, Hancock, Winnebago, Worth and Wright counties.

This program works with low-income homeowners who are in need of a safe way to get in and out of their home. These ramps are rented to the homeowner at a small fee based on their income. The ramps are metal and can be relocated when there is no longer a need for them.

Habitat for Humanity NCI Partners with NIACOG and Elderbridge Agency on Aging for the Modular Handicapped Ramp Program

We offer these programs so that…

  • Families can live in safe and well-maintained homes.
  • Neighborhoods are revitalized.
  • Community connections are made.
  • Affordable housing inventory is preserved.
  • Homeowners can get in and out of their homes safely with the lease of a modular ramp.

How it works

Labor is offered at no cost to the homeowners. Materials are paid for by the homeowner through a low interest loan. The scope of work is defined by AHRP and agreed on by both parties before the work begins. Habitat for Humanity is a ‘hand-up, not a hand-out’. Most of the repair work will be done with volunteer labor, but Partner Families are expected to assist with Sweat Equity and the cost of materials. As with all Habitat builds, projects will be approved based on need, willingness to partner, and ability to pay. Availability of volunteers and resources will also affect the selection and time frame of projects.

Am I Eligible?

Home Repair & Handicapped Ramp Programs partner with low-income homeowners based on need and the scope of the work.

Program Requirements:

  • Applicants must live in our service area: Cerro Gordo, Franklin, Hancock, Winnebago, Worth and Wright counties.
  • Applicants must have proof of ownership for their homes.
  • Applicants must have homeowners insurance.
  • Applicants must be legal American residents.
  • Applicants must be current on mortgage payments and property taxes.
  • Applicants must meet income guidelines within established 20-60% median income range. (see chart below)
Family Size Minimum Income Maximum Income
1 $13,000 $38,000
2  $14,300  $43,000
3 $16,100 $48,000
4 $18,000 $54,000
5 $19,000 $58,000
6 $21,000 $62,000
7 $22,000 $67,000
8 $23,000 $68,000

How To Obtain An Application

Habitat for Humanity of North Central Iowa is  currently accepting applications for our Home Repair and Ramp programs for upcoming opportunities in our six county area. If you would like more information, please contact our office at (641) 424-8978 or email us at

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Notice: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age,(provided the applicant has the capacity to enter into a binding contract): because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Washington, D.C. 20580.