Kane County Office of Community Reinvestment

Safety First Program

The Safety First Program assists homeowners living in conditions which undermine the safety and/ or health of household members. Work covered by homeowners insurance, however, is not eligible.

Improvements may include the following:

Mechanical Systems
Handicap Accessibility
Radon Mitigation Systems
Well and Septic Systems

The program provides up to $10,000 in assistance in the form of a zero-interest, deferred-payment loan. No interest accrues on the loan, and no payments are due until the home is sold, the title is transferred, or the home no longer serves as the homeowner’s principal residence. When any of these events occur, the loan is repaid. To qualify for the Safety First, homeowners must live in the Kane County Community Development Program Area*, meet Federal income limits (see table below), and have sufficient equity to cover the amount of the loan. For more information, call Community Contacts at 847-697-8800 or go to www.cci-hci.org.

Income Limits for Safety First Program

Household Size12345678+
Maximum Income$41,250$47,150$53,050$58,900$63,650$68,350$73,050$77,750

* The Kane County Community Development Program Area does not include the municipalities of Algonquin, Aurora, Elgin, Hampshire, Huntley, and Montgomery. Algonquin and Huntley homeowners should contact the McHenry County Housing Authority at 815-338-7752. Aurora homeowners should contact the City of Aurora’s Division of Neighborhood Redevelopment at 630-256-3320. Elgin homeowners should contact the City of Elgin’s Community Development Department at 847-931-5910. Safety First Program assistance is not available to homeowners in Hampshire and Montgomery at this time.

The Safety First Program is one of several housing assistance programs funded by Kane County under the U.S. Department of Housing and Urban Development’s Community Development Program. Community Contacts delivers the program on the County’s behalf. Established in 1978, Community Contacts is a non-profit human-service organization that assists area residents with the payment of home energy costs, home repair and rehabilitation work, and home weatherization.