O'Fallon's Interior Home Repair Programs assist low-to-moderate level income O'Fallon residents with interior home repairs that they would not otherwise be able to afford. This program offers up to $7,500 for eligible repairs as a 5-year forgivable loan. This loan is only subject to repayment if property transfers ownership, is refinanced for cash-back or the homeowner borrows against the equity in the home.

Eligibility for the Interior Home Repair Program

In order to be considered, the following criteria must be met:

The applicant must:
  • Be the fee simple owner and occupant of the single family dwelling to be improved
  • Have no pending bankruptcies
  • Have resided in the dwelling for at least one year prior to application
  • Be a first-time participant in the program
  • Not be a newly-legalized alien
  • Be current on mortgage payments and real estate taxes
The house to be improved must:
  • Be located within the City of O’Fallon and not in a floodplain
  • And have no outstanding federal, state or city tax liens
  • Be a single family, permanently-affixed structure
The household income:

To qualify as low-to-moderate income, the total gross income of all members of the household over the age of 18 must not exceed the set limits, which are established by HUD:

Occupants in House Total Gross Income
One-Person Household $53,150
Two persons $60,750
Three persons $68,350
Four persons $75,900
Five persons $82,000
Six persons $88,050
Seven persons $94,150
Eight persons $100,200

Eligibile Repairs

Eligible repairs may include:

  • HVAC
  • Water heaters
  • Electrical repairs
  • Plumbing repairs
  • Basement repairs
  • Insulation and weatherization
  • Windows
  • Internal accessibility needs
  • Indoor code violations/safety requirements (smoke detectors, etc.)

Apply for the Interior Home Repair Program

Interested residents may:

  1. Mail applications to
    Attn:  Public Assistance Office
    City of O'Fallon
    100 North Main Street
    O'Fallon, MO  63366
  2. Email applications to ajaegers@ofallon.mo.us
  3. Fax applications to 636-379-5617
  4. Drop them in the utility billing drop-box near the East Entrance of City Hall

Contact Public Assistance staff
Alexis Jaegers, Public Assistance Specialist ajaegers@ofallon.mo.us 636-379-5411