Act now — and a safer, more comfortable home could be right around the corner.

With Citizens State Bank, eligible homeowners can qualify for up to $15,000 in home repair and accessibility grant funding.

But hurry: Grant funding is limited. Learn more below.

GET STARTED

 Everyone deserves to feel safe, comfortable, and confident in their home. 

The Revive Home Repair Grant helps make important home repairs and accessibility upgrades more affordable by providing financial support for qualified homeowners.

Citizens State Bank partners with FHLBank Indianapolis to offer this program to eligible homeowners—because we believe strong communities start with safe, stable homes and the ability to remain in them for years to come.

Funding is limited and available on a first-come, first-served basis. We encourage interested homeowners to apply early.

Up to $15,000 in grant funding

Home repairs can add up quickly—but you don’t have to take them on alone. Revive funds can help cover eligible repairs and accessibility upgrades for your primary residence, including:

🔧 HVAC systems & major repairs — including heating, cooling, roofing, water heaters, and other essential home systems

🏠 Exterior improvements — such as windows, siding, gutters, exterior doors, and insulation

♿ Accessibility upgrades — including ramps, widened doorways, grab bars, handrails, and other safety improvements that help you stay comfortable in your home

🛠️ Health & safety repairs — including mold remediation, septic or well repairs, and other qualifying improvements that help protect your home and quality of life

Revive

Do you qualify? 

You may be eligible if you:

  • Own and live in your home as your primary residence

  • Have a household income at or below 80% of area median income

  • Are current on your mortgage and property taxes

  • Are listed on the deed of the property

  • Need qualified home repairs, maintenance, or accessibility upgrades

Not sure about income limits or requirements? We’ll help you figure it out.
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How it Works

1. Connect with our mortgage team using the contact information or form here.

2. Tell us about the repairs or accessibility upgrades you need for your home.

3. We’ll help determine whether your project and property may qualify for Revive funding.

4. If eligible, we’ll guide you through the next steps to help you secure available grant funding.

We'll guide you through every step.

GET STARTED

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Why work with Citizens State Bank?

 We've been around since 1873, making us one of only 1,000 companies in America that's been around for more than a century. We’ve grown alongside the communities we serve, and we’re proud to help our neighbors protect, maintain, and remain in the homes they’ve worked hard for.

 📍

Local Experience

 You'll be supported by a team that understands both your community and the unique challenges homeowners can face over time. 

 🤝 

People First. Always.

 From your first conversation to your final paperwork, you’ll work with real people who really care — not a bot or stranger in a call center. 

 🧭 

Expert Guidance

 We’ll help you understand the Revive program, eligible repairs, and what’s needed to move forward with confidence. 

 💙  

A Bank That Gives Back

 Together, we can do even more to support local families, neighborhoods, and important community organizations.

What is the Revive program?

Revive is a home repair grant program that helps eligible homeowners pay for important repairs, maintenance, and accessibility upgrades. Through Citizens State Bank, qualified homeowners may receive up to $15,000 in grant funding to help make their home safer, more comfortable, and easier to maintain. 

Where do the funds come from?

The Revive program is funded through the Federal Home Loan Bank of Indianapolis’ Community Investment programs. Since 1990, their Community Investment team has supported affordable housing and economic development across the region.

 

In just the past 10 years, they’ve provided nearly $400 million in funding—helping build thousands of affordable housing units, supporting first-time homebuyers, and funding home repairs and local businesses throughout Indiana and Michigan.

Who qualifies for Revive assistance?

You may be eligible if you:

 

  • Own and live in your home as your primary residence

  • Have a household income at or below 80% of area median income

  • Are current on your mortgage and property taxes

  • Are listed on the deed of the property

  • Need qualified repairs, maintenance, or accessibility upgrades

If you're still unsure whether or not you qualify, don't worry. Someone from our team will walk through everything with you and help determine whether your home and repair needs may be eligible.

What can the funds be used for?

Revive funds may be used for a variety of qualified home repairs and accessibility improvements, including:

 

  • Roofing and exterior repairs

  • HVAC systems and water heaters

  • Windows, siding, gutters, and insulation

  • Accessibility upgrades like ramps, grab bars, widened doorways, and handrails

  • Health and safety-related repairs, including some mold remediation and septic or well repairs

Our team can help you understand whether your specific project may qualify.

How much can I expect to receive in assistance?

Eligible homeowners may receive up to $15,000 in Revive grant funding for qualified repairs or accessibility upgrades.

 

The amount you receive will depend on several factors, including the scope of the project, available funding, and program eligibility requirements.

 

⚠ Disclaimer: Funding is limited and available on a first-come, first-served basis. This is not a guarantee of funding or approval. Our team will review your unique situation and help determine what assistance may be available.

Do you have other assistance programs?

Yes! The following program will be opening soon:

 

  • HomeBoost (available starting 7/8/2026)
    Provides down payment assistance for first-generation, first-time homebuyers in Indiana and Michigan.

 

Our team can help you determine which program may be the best fit for you.

 

Why is funding limited?

The Revive program is funded through the Federal Home Loan Bank of Indianapolis (FHLBank Indianapolis), which provides a limited amount of grant funding to participating banks each year.  State Bank can receive up to $600,000 in Launch funding to distribute to qualified applicants, and those funds are available on a first-come, first-served basis.

 

Applying early gives you the best chance of receiving available assistance.

 

Take the first step towards a safer, more comfortable home.

Whether you're ready to start your application or you just have a few questions, we're here for you!

To get in touch, fill out the form below and we'll reach out within 24-48 business hours.
You can also call us at 888-529-5450 (Monday–Friday, 8 a.m.–5 p.m. EST) and we'll put you in touch with a member of our mortgage team.

Meet Your Lenders

Cassandra Miller

Mortgage Team Leader

P: 765-521-6545

M: 765-274-1008

NMLS: 647312

  • New Castle - Broad Street
  • Rushville
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Ken Hall

Regional Mortgage Loan Officer

P: 317-844-5170

M: 317-752-3160

NMLS: 623077

  • Pendleton
  • Carmel
  • Fishers
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Melanie Parker

Regional Mortgage Loan Officer

P: 765-348-1055

NMLS: 500071

  • Hartford City - Walnut Street
  • Knightstown
  • New Castle - Raintree
  • Union City
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