Emergency Hazard Loan/Major Component Loan

About the Program 

The City of Jackson offers no interest, short term loans to low-income homeowners facing emergency maintenance problems. Emergency hazard conditions include, but are not limited to, the following:

  • Leaking roof systems
  • No cooling during the summer months
  • No heating during the winter months
  • No hot water
  • Severe water leak       
  • Gas leak
  • Deteriorated or collapsed drainage systems
  • Major electrical problems
  • Any other immediate threat to the life, health, or safety of the occupants

The City can also help you avoid emergencies by replacing major systems that are at or near their effective useful life such as:

  • Plumbing systems
  • Mechanical systems
  • Electrical systems
  • Roofs
  • Chimneys
  • Accessibility to ingress/egress

To be eligible, you must own and occupy your home as your primary residence and be current on all property taxes, special assessments, water bills, mortgages, etc. Your combined household income cannot exceed the amounts listed below based on the number of people living in the home (both adults and children):

Number in Household:









Income Cannot Exceed: 









HUD Income Guidelines 2022-23

  More Details

  • Maximum loan amount of $25,000
  • All hazards must be repaired up to City Code
  • Only applicants whose household income is less than 80% of median income are eligible, as defined by U.S. Department of Housing and Urban Development (HUD). 

How to Apply 

Complete and submit a Rehabilitation Assistance Application (PDF) from the City website.   For more information, please email Shannon Williams at swilliams@cityofjackson.org