Housing Programs

Homebuyer Assistance

Low-income, first-time homebuyers can receive up to $15,000 in financial assistance to help with the purchase of a decent, safe, and sanitary home located in the city. Other program eligibility requirements include homeownership training, the ability to qualify for a primary mortgage, a minimum $1,000 investment by the buyer, and being a U.S. citizen Midland resident. The home can be a pre-owned or newly constructed unit. Individuals interested in learning more about the homebuyer assistance program should call the Community Development Office at 432-685-7472

Minor Repair Program

The City offers financial assistance to low-income homeowners for major plumbing, electrical, heating/AC, and roofing repairs. To qualify, one must be a homeowner for two or more years and live in a CDBG income-eligible area of the city. The program is available in CDBG income-eligible areas. Based on a sliding scale, a household must pay in advance a portion of the cost ranging from a minimum of $50 to 95% of the total repair cost. The City will assist in procuring a contractor and will pay the contractor for the balance of the repair work. Cosmetic repairs, painting, or surface finishing are not eligible. Homes unsuitable for rehabilitation will not be eligible for assistance. Contact the Community Development Office at 432-685-7472 to learn more.

Housing Reconstruction Program

The City provides affordable loans for complete home replacement projects. Currently, funds are only available for emergency situations where a home is unsuitable for rehabilitation and for living, as verified by city building, health, and/or safety officials.

To qualify, one must have been a homeowner for two or more years, own the property outright, have low income, be creditworthy, and reside in a CDBG income-eligible area of the city. The assistance will consist of a combination of an amortized loan (AL), requiring monthly payments at a low interest rate, and a deferred payment loan portion, which is forgivable and does not require monthly payments. The higher an applicant's income, the larger the AL portion of the loan will be for the applicant. An existing mortgage balance will impede or terminate loan consideration. A lien will be filed with the City for the amount of the combined loan. The City will aid the applicant in the reconstruction process, including contractor selection.

Homeless Programs

Midland offers a variety of services for homeless individuals. The best way to access these services is to call the Information and Referral Helpline at 2-1-1. The Midland Coalition for the Homeless is comprised of citizens representing agencies in Midland that work for the benefit of the area's homeless population. For information about this group, please contact the City's Community Development office.