Home Maintenance and Opportunities Program

A new program is making it easier for low- and moderate-income Dayton homeowners to make home improvements. Dayton’s new Housing Maintenance Opportunities Program (HMOP) offers no-interest or low-interest home improvement loans. Sponsors of the HMOP Program include the City of Dayton and CityWide Development Corporation.

To qualify for HMOP, the following requirements must be met…

• Loan amount plus current mortgage must not exceed 150% of the current value of home.
• Annual income and size of household must meet HUD’s low/moderate income guidelines.
• House must be located within the city limits of Dayton.
• Only owner-occupied, single-family homes are eligible.
• Loan must be used to fix exterior code violations and health and safety issues first, followed by interior code violations. Energy-saving improvements may then be made.