Emergency Repair and Accessibility Grants
Minor repairs, not to exceed $10,000, are funded by a grant from your city government, so the repairs have no cost to you. Grants may be approved for health and safety problems only. Common uses for the grant program are repairing doors, windows, and porches, and replacing water heaters, and minor plumbing or electrical repairs.
Home Rehabilitation Loans
For major repairs, one-time loans up to $75,000 are available. Subject to 3% simple annualized interest, loans can be either amortized (requiring monthly payments), or deferred (no monthly payments) for a 15-year term. Loans are not to be used for a home about to be sold, or to subsidize renovations already under construction. Mobile or manufactured homes are ineligible.
Common uses for the loan program include: reroofing, sewer line replacement, furnace installation, electrical/plumbing repair and termite and dry rot damage repair.
View an overview PDF of these programs here.
Required Documentation
- Photo IDs and Proof of Legal Residency for all Applicants
- Copy of Certificate of Title
- Proof of occupancy (including space lease agreement if in a mobile home)
- Copy of Homeowner’s Insurance Policy
- Income documentation for all household members 18 years of age and older
Requirements
To qualify for the program you must:
- Own your home. Exception: Renters with a severely disabled household member who requires reasonable accommodations may qualify for a grant.
- Live in your home.
- Have no more than $150,000 in liquid assets if Elderly Person, or $50,000 for other households. Pensions and approved pre-tax savings accounts as well as the home proposed for rehabilitation are not counted in asset calculation.
- Earn no more than the maximum income for your household size, in chart below. Maximum Income depends on the number of people in your household not including full-time caregivers.
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