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The City of Fort Wayne’s Office of Housing & Neighborhood Services Homeowner Repair Heating/Air Conditioning Loan program will open on August 15, 2023. 

The Heating/Air Conditioning Program provides 0% interest ten-year monthly payback mortgage loans for heating/air conditioning replacement projects. Following are a few of the criteria needed to qualify for the program:

  • Applicants must own their home and it must be their primary residence.
  • The home must be located within the City limits.
  • Homes being purchased on land contract are not eligible for this program.
  • Applicants must have a household income at or below 80% of the Area Median Income.
  • Applicants must have homeowner’s insurance.
  • Applicant must be up-to-date on mortgage payments.
  • Applicants must not be involved in a pending bankruptcy or have liens placed against their home.
  • Further qualification information is included in the program guidelines:

2023 HVAC Program Guidelines

2023 Area Median Income


How to Apply

Residents are encouraged to apply through the online portal. The online application process allows residents to submit their application from the comfort of their homes and is the quickest way to apply for the program. To apply online, select the "Apply Button" below and follow the prompts on the portal. 

Apply Here Button

Our application platform works best on Google Chrome, Firefox, and Safari. Internet Explorer is not supported. Please make sure you are using a supported browser.

You can download Firefox by following the instructions linked here.   You can download Chrome by following the instructions linked here.

Residents who do not have access to the online application portal and would prefer a paper application may call 260-427-8585. They will be asked a series of brief questions and then will be asked to leave their contact information on a voicemail system. A representative from the Office of Housing & Neighborhood Services will call them back in the order the calls are received to determine their eligibility.

Residents in need of language assistance should contact Language Services Network at 260-426-6764.  

All applicants should be aware that there is potential for delays in the installation process due to labor and supply chain shortages.

Funding for this program comes from the U.S. Department of Housing and Urban Development (HUD) and is limited. Applications will be reviewed on a first-completed, first-processed basis. Program participation is determined on a first-qualified, first-served basis and is not guaranteed.