Emergency Repair Grants
Minor repairs, not to exceed $20,000, 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 railings, installation of grab bars, water heaters, and minor plumbing or electrical repairs.
Home Rehabilitation Loans
For major repairs up to loans up to $65,000 are available. Subject to 1% simple interest with a 20-year term, they require no payments until the home is sold or transferred (deferred) depending on the need of the borrower. Common uses for the loan program include: reroofing, sewer line replacement, termite and dry rot damage repair, furnace installation, electrical/plumbing repair and solar electric systems.
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.
- 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 fulltime caregivers
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