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The goals of the city’s Housing Department are to ensure that safe and adequate housing options exist within our community for all of our residents, to promote the maintenance of the existing housing stock of the city and to connect citizens in Owosso with available housing resources.  To that end the Housing Department administers housing rehabilitation programs that offer assistance to low and moderate income homeowners to make home improvements; provides incentive programs for the development of affordable rental units in the downtown; participates in overseeing the vacant and rental registration and inspection programs; and serves as a referral service to other housing resources available within the area. 

Homeowner Assistance Programs

Downtown Neighborhoods Targeted Homeowner Rehabilitation

As of June 1, 2014 the City is unable to take new applicants for this program as funds for the current grant have been exhausted.  Those interested in participating in the program can contact the program director for further information and potential inclusion on a waiting list for future funds.

The Downtown Neighborhoods Targeted Homeowner Rehabilitation program provides low and moderate-income homeowners in the target area assistance with needed home repairs.

  • Homes must be located in targeted area around downtown. (See attached target area map.)
  • Homeowners must income qualify based on family size.  Homeowners with income up to 80% AMI (area median income) can be assisted. (See attached income limit chart.)
  • Repairs must first address health, safety and code violation issues.  If lead based paint is present, lead hazard control must be performed.
  • Assistance is provided as a deferred lien on the property.  There are no payments or interest until the property is sold at which time the lien must be repaid. Homeowners with incomes of less than 60% AMI receive 100% deferred lien. Homeowners with incomes of 70% AMI and above must contribute a portion of the project cost from another source.  

Application Form
Program Guidelines
Income Chart

Shiawassee County Housing Rehabilitation Program

The Shiawassee County Housing Rehabilitation Program provides loans to low to moderate-income families living in Shiawassee County to assist with needed home repairs. The Program promotes safe, decent and sanitary housing for county residents and helps to maintain and improve the older homes in Shiawassee County.

  • Assistance is available to all qualified Shiawassee County homeowners whose income is at or below 80% AMI (area median income). 
  • Homeowner Rehabilitation – assistance is available to low and moderate income homeowners with needed home repairs.  The assistance is given in the form of a loan between the County and the Homeowner. Assistance is limited to a lifetime maximum of $35,000 per homeowner. 
  • Emergency Home Repair – A limited amount of funding is available to address immediate health and safety concerns (replacement of furnace, hot water heater, well/septic repair, etc.). Emergency assistance is limited to a maximum of $5,000.

Application Form
Program Guidelines

Downtown Rental Rehabilitation

The Downtown Rental Rehabilitation program provides grant funding to assist downtown property owners with the creation of or rehabilitation of affordable rental units above commercial space in the downtown.

  • Grants are available up to $25,000 for the rehabilitation of existing units and up to $35,000 for the creation of new units and are specific to individual projects. 
  • The property owner must invest a minimum of 25% of the total project cost. 
  • Rental units must be rented to low to moderate income individuals and the rent must meet affordability guidelines as determined by HUD.
  • The grant assistance is provided as a 5 year forgivable lien on the property if all compliance is followed.  

Pre-application form


Habitat for Humanity - Neighborhood Revitalization Program

The Saginaw-Shiawassee Habitat for Humanity administers a program to help homeowners with critically needed home repairs.  For more information on this program, please contact the Saginaw-Shiawassee Habitat for Humanity toll-free at (844)721-8038.

Neighborhood Revitalization Application

Foreclosure Prevention

Link to Step Forward Michigan – MSHDA’s foreclosure prevention website: https://www.stepforwardmichigan.org/

Rental Registration & Inspection

Program Brochure
Registration Form

Vacant Property Registration

Registration Form

Resources for Tenants/Landlords:

Michigan Tenants & Landlord Handbook

Legal Aid of South Central Michigan

Michigan Housing Locator