There are grants and loans and different home repair programs sponsored by Federal, State and local governments to help low-income families make needed home repairs.
Those programs include:
This program offers home repair loans and grants administered through Rural Development Agencies.
The loans are for very low-income families to pay for needed repairs or improvements to their home. There are also grants for seniors to remove safety or health dangers or to add safety features. Grants for seniors can go up to $7,500.00.
The loans and grants are for homes located in rural areas, suburbs, or smaller towns.
To qualify, you must:
To apply for a Section 504 loan or grant, you must go through your local Rural Development agency office. A contact list of the state offices for Rural Development is listed here.
Rebuilding Together is a nonprofit community revitalization organization that completes needed repairs for veterans, persons with disabilities, and low income families. Rebuilding Together takes a community approach to help repair homes in entire neighborhoods and enlists Americorp and the community in the process.
NeighborWorks offers a variety of home repair assistance programs, including helping you obtain a home repair loan, finding contractors and providing funds to make emergency repairs such as a broken water main or broken furnace with a low-interest loan or a grant with no monthly payments. Applications are taken at your local Neighborworks Homeownership Center (HOC).
These programs are administered through your local Area Agency on Aging and are targeted for seniors and persons with disabilities and even some low-income families. To find out more, contact your local Area Agency on Aging.
In addition to building and renovating homes, Habitat for Humanity offers home repair services which include painting, weatherization and minor repairs to the exterior of the home.
Qualifications for the home repair program is based on income, need, and willingness of the homeowner to help. An affordable loan is made to the homeowner to cover the cost of the repairs.