Emergency Repair and Accessibility Grants
Minor repairs, not to exceed $15,000, 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 replacing water heaters, and minor plumbing or electrical repairs.
Home Rehabilitation Loans
For major repairs, loans up to $75,000 are available. Subject to 1% simple interest with a 15-year term. Seniors (62+) and disabled homeowners may opt for a deferred payment plan. Common uses for the loan program include: reroofing, sewer line replacement, termite and dry rot damage repair, furnace installation, and foundation repair. Mobile homes are not eligible for loans.
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. Single-family or condominiums eligible.
- Live in your home. For loans, you must live in your home throughout the duration of the loan.
- The funding must not result in total loan debt to home value ratio of more than 85% after the work is completed.
- Have no more than $75,000 in assets if a senior (62+) or disabled head of household, or $50,000 for other households. The home proposed for rehabilitation itself is not considered an asset.
- Earn no more than the maximum income for your household size, per chart below. Maximum Income depends on the number of people in your household not including full-time caregivers.
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