HOME First Time Homebuyer Program

HOME First Time Homebuyer Program

Upper Explorerland RPC realizes first time homebuyers must make sacrifices to save enough for a down payment on a home, but for some it seems impossible to be able to find the funding to close on the desired property. With the award of the HOME funds, homebuyers may receive up to $24,999 in assistance for rehabilitation and down payment assistance. This program is an affordable way for homebuyers to realize their dream of homeownership. Assistance is in the form of a 5 or 10 year receding forgivable loan.

The HOME Program was created the National Affordable Housing Act of 1990 (NAHA).  The intent of the HOME program is to provide decent affordable housing to lower-income households, expand the capacity of nonprofit housing providers, strengthen the ability of state and local governments to provide housing, and leverage private-sector participation.

Each participating jurisdiction incurs a 25 percent matching obligation for HOME funds it expends.  Matching contribution must be:

  • A permanent contribution to affordable housing
  • From non-Federal sources
  • Provided by any of a broad array of public and private donors.


Homebuyers have to meet their affordability, depending on the amount of HOME funds they receive, but they also have to maintain their home as principal place of residency and have insurance on the property. Principal place of residency and insurance documentation must be submitted to Iowa Finance Authority (IFA) for proof of compliance during the affordability period. The home must meet Iowa's Minimum Housing Standards upon completion.


If you are interested and would like more information on if you qualify, we would like to hear from you! Applications can be picked up at the City Halls in each of the participating communities, printed from the documents below or by calling Upper Explorerland RPC, at 563-864-7551 ext. 117 or 101. TTY users call 1-800-735-2942. Relay call 7-1-1.


For more information, contact Lori Brockway.

Having Upper Explorerland come into my life was such a blessing!  At first I kept thinking this is too good to be true, but it's not!  I did have to get a loan and overcome a few obstacles, but it was all so worth it.  I got my house and then Upper Explorerland came in and fixed it all up!  It's like brand new.  I could have never done all this work myself financially.  With their help I have a beautiful home and a safe home for me and my son...........So I hope you keep the program going and help other single mothers achieve their dreams, or any family.  Believe me it's not too good to be true.  It's a wonderful program and it really does help people.

News Headlines

UERPC March Newsletter

Posted: Mon, March 16, 2015

Some of the headlines you can read about this month:

  • Northeast Iowa Stem Festival
  • Employee Spotlight-Cassie Martin
  • UERPC Partners with WCDI
  • IowaWorks Did You Know
  • Spring Walking School Bus
  • Great Give Day
  • Main Street Iowa
  • Upcoming Events
... [ Read More ]

UERPC February Newsletter

Posted: Wed, February 18, 2015

Some of the headlines you can read about this month:

  • UERPC to Host City Finance 101
  • Board Member Spotlight-Kay Vorwald
  • City of Lansing Selected for Energy Retrofit Pilot Program
  • Upcoming City Clerk's Meeting
  • Iowa Cancer Consortium recognizes UERPC's cancer fighting efforts
  • UERPC Awarded Grant to Support Safe Routes to School efforts in Howard County
  • Solar Powering Your Community
  • Revolving Loan Fund Training
  • Audit
  • Healthiest State Initiative
... [ Read More ]

UERPC January Newsletter

Posted: Thu, January 22, 2015

Some of the headlines you can read about this month:

  • Iowa Finance Authority Awards money for Local Housing Trust Funds
  • Board Member Spotlight-Roger Arthur
  • UERPC Hosts Annual Legislative Event
  • Tell us About your Community's Walking Conditions
  • Iowa Transportation Commission Approves SRTS
  • IowaWorks Did you Know
  • Audit Complete
... [ Read More ]

The FruitGuys Community Fund

Posted: Tue, December 16, 2014

The FruitGuys Community Fund offers funding to support sustainability projects for small to mid-size farms. A primary goal of the fund is to help farms and orchards operate more sustainably and to promote advocacy that, over the long term, creates a more sustainable food system and healthier planet. Applications must be received by February 16, 2015.

... [ Read More ]
[ View All News ]