Of all the questions and comments we get on the Free Grant Community, home repairs are one of the most frequent topics. So you are not alone! Around $300 billion is spent every year on remodeling and maintenance – but you may not have the funds necessary for your own repairs.
If you are a senior on a fixed income, a single parent with more needs than resources or one of many struggling through a tough economic situation, you may be in need of money for home repairs or emergency assistance with your heating or cooling system. And banks may not give you the time of day.
Home Repair Grants, Loans and Programs are available! And there are new home repair assistance programs that may be the answer to your problem. Some are from the government and others are available from state agencies, public utilities, private foundations and other non-profit agencies.
If you're trying to buy a home that needs repairs, or own a home that could be refinanced, you may also be able to apply for a 203(k) loan through Housing and Urban Development (HUD) to include the cost of repairs in your mortgage.
Discover your program today!
The programs and opportunities discussed below are related to your own home. If you are seeking grants to help maintain and/or preserve a historical building or buildings, see Grants for Historical Buildings. If you don't qualify for the programs described below or if they are not enough to meet your needs, check out other resources in our article I Need Help.
New: NeighborWorks is a non-profit created by Congress to build community and help homeowners in low-income and middle class categories. Though they do not provide loans themselves, they maintain a network of organizations that do. Try doing an internet search for “neighbor works” and your state or zip code, or go to their website atnw.org and click on “Find a NeighborWorks Organization.”
Community Development Financial Institutions: these organizations are not well known but they are located in a lot of areas in the U.S. They sometimes provide financial aid as well as advice and direction about repairing your home. Search for one using the name of your state or city plus “community development financial institution.”
Public Utilities: While help is available many people are totally unaware of what is out there. Before you tackle government websites and interviews with local agencies, one place to start is with your local utility company. Many of them offer grants for making repairs to your home, specifically tied to replacing or upgrading appliances which are not energy-efficient and getting rid of older windows that do a poor job protecting your home from outside temperatures. In addition, a federal program called the Low-Income Home Energy Assistance Program (LIHEAP) was created to assist low-income households with their utility bills. It conducts this program throughout the U.S. and you can simply do a web search or check your phone book to find the nearest office or central phone number to call for assistance.
Non-Profits: Probably the best known is an organization called “Rebuilding Together.” They offer assistance to those living at poverty level, and their focus is on making repairs to homes. Search for one in your area using the name of your city or star and “Rebuilding Together.” Sometimes you can also find similar programs conducted by volunteer groups at churches, so it's worth checking with larger churches in your area even if you are not a member.
HUD/FHA at the Local Level: The next local place to look is at your state's housing agencies. A web search, this time using the terms “Housing Agency” and your state’s name, will provide contact information for the agency nearest you. These folks have counselors trained to help you at little or no cost, and they deal both with the homeless and with those working to get by on lower than average incomes. You can find more information about the federal government’s Housing and Urban Development (HUD) programs and how to find an office near you in our article about Government Grants To Purchase A Home. When you make your first contact, be sure to ask questions about what is available and what the requirements for eligibility are so you know whether you should spend time making an application.
Some of the “grants” for home repairs are actually low interest loans. If you can afford to make the payment on the small loans then you should probably go for them as they will be subsidized and have lower interest rates than you will find elsewhere. Within your state, check for Home Rehabilitation and Repair programs. These programs are made to help people with repair jobs which will bring their homes up to local housing standards and/or upgrade the home’s comfort or safety. Typically to be eligible you must have an income that is lower than 80% of the average income in your area.
The U. S. Department of Agriculture’s Rural Development Program offers programs and assistance for seniors (over 62 years of age) who live in very rural areas. These are called Rural Repair and Rehabilitation Loans and Grants. These are aimed at very low income households who need to make repairs for health and safety reasons. The maximum amount for a loan is $20,000 and for a grant, $7500. There are other requirements and restrictions which are spelled out quite succinctly on the USDA Rural Development website.