Housing Loans and Incentives

The City of Oshkosh offers loans and incentives designed to encourage home improvements, home ownership, and investment in Oshkosh’s housing stock. A strong diverse stock of affordable housing is important to the economic health and quality of life in Oshkosh. Click here to see the Oshkosh Home Improvement Matrix that provides a summary of each program.

Home improvement funds are available from the city of Oshkosh

The city of Oshkosh offers loans and incentives designed to encourage home improvements, home ownership, and investing in eligible Oshkosh housing stock. Those who are interested in these types of programs are invited to join an online presentation on Wednesday, January 12 at 6 pm for home buyers/owners OR on Thursday, January 13 at 11:30 am for realtors, bankers, contractors and investors. Presenters will be sharing details on programs such as “Sold on Oshkosh”, a $5,000 grant for a home purchase that is forgivable after 5 years. Or for those who own an eligible property, and want to make improvements to the exterior, they could apply for the “Curb Appeal”, a 10 year loan up to $10,000 at 0% interest. The programs could save participants thousands of dollars! Those attending will hear from a panel of city of Oshkosh Planning staff and Oshkosh Healthy Neighborhoods about details of the programs, including eligibility requirements. There will be an opportunity to ask questions during this presentation. Home buyers or owners should plan on attending the free session on January 12th at 6:00 p.m. Realtors, mortgage professionals, investors or bankers should plan on attending the free session on January 13th at 11:30 a.m. Both sessions will be held via WEBEX. To register for the informational session please contact Anne Schaefer, Marketing and Fund Development Coordinator, aschaefer@ci.oshkosh.wi.us, (920) 232-5306. Please register by January 11th. Those registering will receive a confirmation with a WEBEX invite via email.

If you were unable to attend the 2022 January sessions you may listen to the recorded links online at https://www.youtube.com/watch?v=eCsNDhb4cOk

Below you will find the different loans and incentives being offered. If you have any questions and concerns please feel free to call Brandon Nielsen from at 920-236-5061.

Neighborhood Initiative Programs

The City’s Neighborhood Initiative is intended to concentrate resources (public and private) into participating areas to promote neighborhoods of choice in Oshkosh. The Neighborhood Initiative is carried out through the collaboration of various partners and programs. Together the partners treat a “neighborhood” as the customer and seek to strengthen neighborhood components to achieve outcomes in four areas: Image, Market, Physical Conditions, and Neighborhood Management. Various housing programs have been created to provide flexible financing to homeowners and investors located or looking to locate within participating neighborhoods (see map). Please find below additional information on available housing programs:

For additional information on City Housing Rehabilitation Programs, contact the Planning Services Division at 920-236-5059.

Other Loans and Incentives Program