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Home Repair Grants in Arizona

Home Repair Grants in Arizona

Who this is for and what you’ll get

This guide is for Arizona homeowners who need help fixing their homes in 2025. It also helps caregivers who are applying on behalf of a senior, a veteran, or a person with a disability. If you live in a rural community, there are strong options for you too.

What you’ll get here:

  • Plain‑English steps to apply, with links to official government pages
  • 2025 caps and rules for federal programs that serve Arizona
  • State and city or county contacts that answer the phone
  • A simple eligibility check and a fast way to pull income limits
  • A step‑by‑step action plan and printable checklist
  • Phone scripts you can read word‑for‑word

We link to government sources only: HUD, USDA, VA, the Arizona Department of Housing (ADOH), and city or county government pages. No affiliate links. No third‑party lead forms.

Eligibility quick check

You are likely eligible this year if most of these are true:

  • You own and live in the home you want to repair.
  • Your household income is at or below the 2025 limit for your county or metro.
  • Your home needs health or safety work (roof, HVAC, plumbing, wiring, accessibility).
  • You are 62+ (for some grants), a veteran with a qualifying disability, disabled, or live in a rural
  • Your property taxes are paid or on a payment plan.
  • You are current on your mortgage (or you own the home free and clear).

To check your income limit, use the HUD 2025 Income Limits tool at huduser.gov/portal/datasets/il.html. That site posts FY 2025 data (effective around April 1 each year) and lets you search by county or metro. For rural programs, also check if your address is rural‑eligible on the USDA Income & Property Eligibility site.

Top programs quick reference (2025)

Program Max $$ (2025) Who qualifies Typical repairs Usual wait How to apply
USDA Section 504 Home Repair (loans & grants) Loans up to $40,000 at 1% (up to 20 yrs); Grants up to $10,000 (62+ only; lifetime grant cap $10k) Very‑low income rural owner‑occupants Roof, HVAC, plumbing, wiring, accessibility, health/safety Varies by office Arizona program page: Single Family Housing Repair Loans & Grants in Arizona
USDA Rural Disaster Home Repair Grants Grant up to $44,000 (in select Presidentially declared disaster areas) Very‑low and low‑income rural owner‑occupants with eligible disaster damage Disaster repairs that restore safe, sanitary housing Depends on declaration & funding Program info: Rural Disaster Home Repair Grants
Weatherization Assistance (Arizona Dept. of Housing) No cost to you Low‑income homeowners and renters; priority to seniors, disabled, families with kids Insulation, air sealing, minor HVAC and safety fixes Lists open by region Start with ADOH weatherization: housing.az.gov/weatherization-assistance-program
VA Adapted Housing Grants (SAH/SHA/TRA) SAH up to $121,812; SHA up to $24,405; TRA up to $49,062 (SAH) / $8,760 (SHA) (FY 2025) Veterans with qualifying service‑connected disabilities Ramps, accessible baths, wider doors, no‑step entries Varies by VA Apply at VA: VA disability housing grants
City or County Owner‑Occupied Rehab (CDBG/HOME) Local caps vary by program year Low‑ to moderate‑income owner‑occupants in that city/county Critical repairs that keep the home safe Windows open seasonally Examples: City of Phoenix owner‑occupied housing programs • Pima County Community Action: home repair & weatherization • Maricopa County Housing & Community Development

Notes: USDA 504 is rural‑only. Weatherization through the Arizona Department of Housing serves all regions through local partners at no cost. VA amounts shown are FY 2025. City/County programs use HUD’s CDBG/HOME funds; application windows open and close during the year.

Federal programs that help Arizona homeowners

USDA Section 504 Home Repair (rural only)

What it pays
– Loans: Up to $40,000 at a fixed 1% interest rate, for up to 20 years.
– Grants: Up to $10,000 for homeowners age 62+ who cannot repay a loan. There is a lifetime grant cap of $10,000 per homeowner.
– You can combine a grant and a loan if the project needs both.

Who qualifies
– Very‑low income (USDA’s county income limits).
– Owner‑occupied single‑family home.
– The home sits in a USDA‑eligible rural area (check your address on the USDA portal).

What it fixes
– Health and safety issues: roofing, electrical hazards, failing HVAC, plumbing that causes damage or is unsafe, accessibility features (ramps, bath changes), and repairs that remove sanitary hazards.

How to apply in Arizona
1. Confirm your address is rural‑eligible and review income limits using the USDA eligibility tool.
2. Open the Arizona‑specific 504 page: Single Family Housing Repair Loans & Grants in Arizona. This page lists State Office and Area Office contacts and gives the application steps.
3. Gather your deed, photo ID, proof of income for everyone in the home, latest property tax bill, home insurance page (if you have it), and repair photos.
4. Ask USDA staff about current funding and processing time for your county.
5. Don’t start work until you get written approval. Starting early can make the project ineligible.

If you had disaster damage
– Read the USDA page for Rural Disaster Home Repair Grants. This program is limited to specific Presidential disaster declarations and has its own rules and dates. It can fund up to $44,000 in grant repairs for eligible households in eligible areas.

Weatherization Assistance Program (WAP) in Arizona

What it pays
– No‑cost energy upgrades for eligible homes: insulation, air sealing, duct sealing, ventilation, small HVAC efficiency fixes, and health and safety measures that WAP allows. Renters can qualify with landlord permission.

Who qualifies
– Low‑income households based on federal and state guidelines. Priority is given to seniors, people with disabilities, and families with children.

How to apply
– Start at the Arizona Department of Housing’s WAP page: housing.az.gov/weatherization-assistance-program.
– Scroll to the list of local providers (Community Action Agencies, tribal housing authorities, and approved partners). Call the provider that serves your county or reservation and ask:
– “Are you accepting new applications right now?”
– “What documents do you need from me?”
– “About how long is the wait?”

Arizona’s WAP is designed for the state’s hot summers and cool high‑desert winters. Weatherization reduces cooling and heating bills and makes the home safer.

VA home adaptation grants (SAH, SHA, TRA)

Who qualifies
– Veterans with service‑connected disabilities on VA’s list (examples: loss of use of limbs, certain severe burns, severe breathing injuries). For SAH/SHA you must own or will own the home you adapt; TRA helps with temporary adaptations if you live with a family member.

FY 2025 amounts
– SAH: up to $121,812
– SHA: up to $24,405
– TRA: up to $49,062 (SAH) or $8,760 (SHA)

What it pays
– Major accessibility work: ramps, roll‑in showers, wider doors, zero‑step entries, kitchen and bath changes, and similar items needed for daily living.

How to apply
– Start at VA disability housing grants.
– Read the How to apply steps and submit VA Form 26‑4555 online.
– Ask the VA to connect you with an SAH Agent in Arizona for support.

Arizona state programs and how to use them

Weatherization through the Arizona Department of Housing (ADOH)

  • The Arizona Department of Housing runs the state’s Weatherization program and funds regional providers.
  • Work is free to eligible households and focuses on energy and safety.
  • Get started at az.gov/weatherization-assistance-program. That page lists providers for Maricopa County, Pima County, rural counties, and tribal partners.
  • Many Arizona cities and counties also link to WAP on their own sites (for example, Pima County Community Action and Maricopa County Human Services). Use the ADOH page as your home base.

State CDBG and HOME funds (owner‑occupied rehab)

Tip: Some city pages show open/closed application status. If closed, call the office and ask to be added to the notification list for the next window. Keep notes of names, dates, and phone numbers.

Senior and accessibility options in Arizona

  • ADA‑related changes (grab bars, ramps, wider doors) may be funded by owner‑occupied rehab programs or Weatherization when needed for health and safety.
  • If you are a senior, ask your city or county rehab program if they prioritize elder households or have a senior‑only repair
  • If you are a Veteran, start with the VA disability housing grants and then layer Weatherization if you also need energy work.

Major city and county programs (who to call and why)

Phoenix
– The City’s Neighborhood Services Department runs owner‑occupied repair programs and posts current offerings and links to apply at the Neighborhood Services Programs page.
– If you need help now, call the number on that page and ask for the owner‑occupied housing rehab intake. Staff will tell you which program is open and what documents you need.

Tucson and Pima County
– Together, the City of Tucson and Pima County run emergency and owner‑occupied repair programs and weatherization. Start with the county’s Community Action: repair & weatherization page, or visit the city’s Housing and Community Development for city‑specific options.
– Ask whether they are using CDBG, HOME, or state funds this cycle and how to get on the list.

Maricopa County (outside Phoenix/Glendale/Mesa/Chandler)
– The Housing & Community Development division posts rehab and community programs on its programs page.
– For Weatherization, the Human Services Department has the Weatherization Assistance Program page with an interest form and provider contact info.

Mesa
– The Housing & Community Development page lists owner‑occupied rehab programs and related services: Mesa HCD. If applications are closed, call and ask when the next window opens.

Glendale
– The Community Services department posts housing rehab and related programs: Glendale Community Services. Call to confirm current caps and eligibility.

Chandler
– Check the city’s Neighborhood Resources or Housing pages to see whether owner‑occupied rehab or minor repair is open. A good starting hub is: Chandler Neighborhood Resources.

Yuma
– Yuma County Housing Department shares rehab and weatherization links and contacts: Yuma County Housing.
– The City of Yuma also posts CDBG and housing updates: City of Yuma Neighborhood Services.

Flagstaff / Coconino County
– Start at Coconino County Community Services for repair and Weatherization intake and referrals. The City of Flagstaff also posts community development grants and programs that can support housing.

Navajo Nation and other tribal nations
– Many tribes run housing rehab and weatherization through their tribal housing authority. Call your housing office or visit the Arizona Department of Housing WAP page for the tribal weatherization provider list: housing.az.gov/weatherization-assistance-program.

2025 income limits (how to get the exact numbers)

Most city and county programs use HUD 2025 income limits (often 80% AMI for rehab programs). USDA 504 uses USDA very‑low income limits and requires a rural location.

How to pull the HUD 2025 table for your area
– Go to HUD Income Limits—FY 2025.
– Use the Query Tool and select Arizona and your county or metro:
– Phoenix‑Mesa‑Chandler, AZ MSA (Maricopa & Pinal)
– Tucson, AZ MSA (Pima)
– Prescott Valley‑Prescott, AZ MSA (Yavapai)
– Yuma, AZ MSA (Yuma)
– Flagstaff, AZ MSA (Coconino)
– Lake Havasu City‑Kingman, AZ MSA (Mohave)
– Or select your rural county if not in a metro area.
– Choose your household size (1–8) and note Very Low (50%) and Low (80%) numbers.
– Save the PDF output for your application packet.

How to check USDA limits and rural status
– Use the USDA eligibility site to select Arizona, choose your county, and view income limits for Single Family Housing Repair Loans & Grants (Section 504).
– On the same site, check Property Eligibility by entering your exact address to see if it’s rural‑eligible.

Who should start with what (seniors, veterans, disabled, rural)

Seniors (62+)
– Start with USDA 504 Grants for health/safety fixes (up to $10,000; lifetime cap). If more funding is needed, add the 1% loan.
– If you also need energy work, apply for Weatherization through the Arizona Department of Housing.

Veterans (with qualifying disabilities)
– Start with VA SAH/SHA/TRA because caps are highest in 2025. Then add Weatherization and city/county rehab if you have other needs.

Disabled (non‑veteran)
– Call your city/county rehab program to ask about accessibility repairs. If your home is in a rural area, check USDA 504. Add Weatherization if you also need energy or safety work.

Rural homeowners
– Use USDA 504 first. If your damage is tied to a Presidential disaster, review USDA Rural Disaster Home Repair Grants. Pair with Weatherization through ADOH.

Step‑by‑step action plan with timelines

Week 1 — Confirm your fit
– Check HUD 2025 income limits for your county or metro using the HUD tool.
– Check USDA rural eligibility for your address on the USDA portal.
– Choose your main path: USDA (rural), City/County rehab, Weatherization, VA (veterans).

Week 2 — Build your paperwork pile
– Gather photo ID, deed, property tax bill, income proof (last 2 months), benefit letters, insurance page, and photos of the needed repairs.
– If you can, get one estimate for each major fix (some programs will obtain bids after approval).

Week 3 — Start applications
– USDA 504: Call the number on the Arizona 504 page and ask for the application checklist.
– Weatherization: Use ADOH WAP to find your local provider and get on the list.
– City/County rehab: Find your city or county link above and call to see when applications open next.
– Veterans: Start at VA disability housing grants or ask for help filing VA Form 26‑4555.

Weeks 4–8 — Follow‑through
– Answer calls and emails quickly. Send missing items the same day if possible.
– If a program is closed or out of funds, ask to stay on the list for the next round and request opening dates.

When approved
– Review and sign the scope of work before work starts.
– Keep receipts, permits, and before/after photos.
– For accessibility or structural work, confirm your contractor is qualified and licensed.

Real success stories and models to learn from

  • Phoenix rehab model: The Neighborhood Services page shows how a large city uses CDBG/HOME to fund owner‑occupied repairs. While amounts and contractors change by year, the process remains clear: intake, eligibility, scope, bids, and inspection. See the model at gov/nsd/programs.
  • Pima County’s integrated approach: The county bundles weatherization with minor and emergency repair so a crew can address energy and safety at the same time when funding allows. Learn more at Pima County Community Action.
  • USDA 504 examples statewide: In rural counties across Arizona, homeowners use 1% loans and small 62+ grants to fix roofs, wiring, and bathrooms. Your local USDA area office can share examples from your county once you call the contact on the Arizona 504 page.

Plan B if you are denied

  • Appeal in writing: Ask the office why you were denied. If it’s a document issue, fix it and reapply.
  • Try another lane:
    • Not rural? Use your City/County rehab and Weatherization.
    • City/County closed? Try USDA 504 (if rural) and VA (if eligible).
    • Only need accessibility? Ask if the City/County program has an accessibility track or if Weatherization can include health and safety
  • Stay on the list: Ask to remain on the wait list and request the next opening date.

Common mistakes to avoid

  • Missing proof of income (send the last two months of pay stubs or benefit letters for everyone in the home).
  • Unpaid property taxes (many programs require you to be current or on a plan).
  • Applying to USDA without rural status (always check the USDA site first).
  • Starting work before approval (this can make your project ineligible).
  • No deed copy (get a copy from your county recorder if needed).
  • Not answering calls (agencies may move to the next person if they can’t reach you).

Phone scripts (exact words to use)

USDA 504 (Arizona)
> “Hi, my name is ____. I own and live at [address]. I’m calling about the USDA Section 504 Home Repair program. My home needs [roof/HVAC/electrical]. My household size is , with monthly income about . Can you tell me the current steps, the required documents, and the estimated wait time? Could you email me the application checklist?”

Weatherization (ADOH provider in your county)
> “Hello, I live in [city/county] and want to apply for Weatherization. We’re a household of __ with monthly income about __. Are you accepting applications right now? If there’s a wait list, please add me and tell me what documents you need from me.”

City/County owner‑occupied rehab
> “Hi, I’m a homeowner in [city/county]. I’m calling about owner‑occupied home repair using CDBG/HOME funds. When will applications open next? What income limits and repairs do you cover? Could you email me the application and a document checklist?”

VA housing adaptations
> “Hi, I’m a veteran with a service‑connected disability. I’d like to apply for a [SAH/SHA/TRA] grant to adapt my home. Can you help me start VA Form 26‑4555 and tell me what evidence you need?”

Arizona‑specific FAQ (2025)

Do I have to live in a rural area for USDA 504?
Yes. Your address must be in a USDA‑eligible rural area and you must meet the income limits. Check both on the USDA eligibility site.

My city doesn’t post a repair program. What now?
Call your City/County housing/community development office and ask about owner‑occupied rehab. Many places use CDBG/HOME funds on a set annual cycle. Also call Weatherization via ADOH.

Will programs help with a mobile/manufactured home?
Often yes, if it is owner‑occupied, has the title in your name, and (when required) is on a permanent foundation. Ask your local program.

Do I have to be behind on bills to qualify?
No. Programs look at income and repair need. For VA grants, the key is your service‑connected disability.

What income counts?
HUD and USDA look at gross income for all household members. Bring pay stubs, benefit letters, and tax returns if they ask.

How long does approval take?
It depends on funding and season. Weatherization lists can get long in summer or winter. Ask for the current estimate when you apply.

Can I choose my contractor?
Rules vary. Many programs use approved lists or bid rules to keep costs fair. For VA adaptations, the VA reviews your bids before work starts.

Are there repair dollar caps?
Yes. USDA 504 caps are fixed nationwide. City/County programs set local caps by program year. Always ask for the 2025 cap when you apply.

What if my home has disaster damage?
Check the USDA Rural Disaster Home Repair Grants page to see if your county is included and whether your damage meets the rules.

Can these programs lower my electric or gas bills?
Yes. Weatherization is built to cut energy use and protect your home.

One‑page action checklist (print this)

  • Pull HUD 2025 income limits for my county/metro using the HUD tool.
  • Check if my address is USDA rural‑eligible using the USDA website.
  • Choose my main path: USDA / City‑County rehab / Weatherization / VA.
  • Gather: ID, deed, income proof (2 months), tax bill, insurance, repair photos.
  • Get a contractor estimate (if needed).
  • Call and start applications; write down date, person, phone.
  • Ask for timeline and missing items.
  • Do not start work until approved.
  • Keep copies and before/after photos.
  • Ask about combining Weatherization with city/county rehab.

Contact directory (phones, addresses, and websites)

USDA Rural Development — Arizona (Section 504 Home Repair)
– Program page (Arizona 504): Single Family Housing Repair Loans & Grants in Arizona
– USDA eligibility site: USDA Income & Property Eligibility
– USDA Arizona State Office: 230 N. 1st Avenue, Suite 206, Phoenix, AZ 85003 • Main: (602) 280‑8701 (check the 504 page for the current contact)

Arizona Department of Housing (ADOH) — Weatherization
– Program & providers: housing.az.gov/weatherization-assistance-program
– Maricopa County WAP (provider link): maricopa.gov/4180
– Pima County repair & weatherization: webcms.pima.gov/cms/One.aspx?portalId=169&pageId=39294

VA — Disability Housing Grants
– Program & 2025 amounts: va.gov/housing-assistance/disability-housing-grants
– How to apply (online form): VA — How to apply

City & County hubs
– Phoenix: phoenix.gov/nsd/programs
– Tucson (City): tucsonaz.gov/Departments/Housing-and-Community-Development
– Pima County: webcms.pima.gov/cms/One.aspx?portalId=169&pageId=39294
– Maricopa County HCD: maricopa.gov/6371
– Maricopa County WAP: maricopa.gov/4180
– Mesa: mesaaz.gov/residents/housing-and-community-development
– Glendale: glendaleaz.com/your_government/departments/community_services
– Yuma County: yumacountyaz.gov/government/housing-department
– Coconino County: coconino.az.gov/116/Community-Services
– Flagstaff (City): flagstaff.az.gov/161/Grants-and-Programs

Spanish summary (resumen en español)

Programas clave en Arizona (2025):
– USDA Sección 504 (áreas rurales): préstamos al 1% hasta $40,000 y subvenciones hasta $10,000 (62+). Verifique su dirección e ingresos en el sitio de elegibilidad del USDA.
– Climatización/Eficiencia (ADOH): mejoras de energía sin costo a través de proveedores locales del estado. Empiece en housing.az.gov/weatherization-assistance-program.
– Veteranos (VA SAH/SHA/TRA): en 2025, hasta $121,812 (SAH) y $24,405 (SHA). Solicite en Subvenciones de vivienda del VA.
– Ciudades y condados: programas de reparación para propietarios en Phoenix, Tucson, Pima County, Maricopa County, y más (ver enlaces en este documento).
Para más información en español, llame a su proveedor local de ADOH o a su oficina de ciudad/condado.

About this guide

Purpose. Help Arizona homeowners find verified home‑repair help in 2025.
Evidence. Links go to official sites: HUD, USDA, VA, Arizona Department of Housing, and Arizona city/county pages with program details.
How to use. Start with Eligibility, pick your program path, follow the Action Plan, and call the contacts listed here.
Accessibility. Ask agencies for large‑print materials. State and federal offices can use TTY/relay upon request.

Disclaimer

Programs change with funding. Income limits and rules are set by each agency. Always confirm current details with the official office before you start work, and do not start work until you have written approval.

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