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Last updated: July 28, 2026 If someone is in danger right now Do not wait for a LIHEAP appointment if there is a fire, gas leak, carbon monoxide alarm, serious medical problem, or unsafe indoor temperature. Leave the home when needed and call 911 or the utility emergency number from a safe place. Never heat … Read more

Last updated: July 28, 2026 Possible poisoning or urgent exposure: If someone may have swallowed paint chips or another lead-containing material, call Poison Help at 1-800-222-1222. The line is free, confidential, and open 24 hours a day. Call 911 for a seizure, trouble breathing, collapse, or another life-threatening emergency. For possible ongoing exposure, call a … Read more

Last updated: July 28, 2026 Leave first when there is immediate danger. If a carbon monoxide alarm sounds, several people feel dizzy or sick, you see fire or heavy smoke, or you smell gas, get everyone outside. Call 911 from fresh air. Do not stay inside to find the source. If floodwater is near outlets, … Read more

Last updated: July 28, 2026 Use emergency help first: A rebate is not same-day repair help. If you smell gas, see smoke or sparks, hear a carbon monoxide alarm, or face dangerous heat or cold, leave the danger area and call 911, the utility emergency number, or a licensed professional. Bottom Line HEAR and HOMES … Read more

Last updated: July 28, 2026 Leave first if the home is unsafe. Call 911 for fire, injury, a gas smell, live wires, structural collapse, or another immediate danger. Do not enter a flooded, burned, or storm-damaged home until local officials say it is safe. Bottom line: Insurance is usually the first source of money for … Read more

Last updated: July 28, 2026 Bottom Line: The federal Weatherization Assistance Program, usually called WAP, can provide no-cost energy-saving work for eligible low-income households. Insulation and air sealing are among the most common measures. Window repair, storm windows, or full window replacement may be included, but only when the local energy audit, program rules, and … Read more

Last updated: July 28, 2026 Bottom Line Increased Cost of Compliance, usually called ICC, is an insurance benefit included with eligible National Flood Insurance Program building coverage. It is not a grant, loan, or income-based repair program. ICC may pay up to $30,000 to elevate, relocate, demolish, or in limited cases floodproof a building after … Read more

Last updated: July 28, 2026 Bottom line: None of these four choices is a grant. HUD Title I is a fixed-rate property improvement loan made by a private lender and insured by FHA. FHA 203(k) is a mortgage that combines a home purchase or refinance with approved repair costs. A home equity line of credit, … Read more

Last updated: July 28, 2026 Bottom Line A HUD Title I Property Improvement Loan is a repayable loan, not a grant. A private lender makes the loan, and the Federal Housing Administration (FHA), part of the U.S. Department of Housing and Urban Development (HUD), insures the lender against some losses. The current federal limit for … Read more

Last updated: July 28, 2026 Bottom Line The U.S. Department of Housing and Urban Development’s Older Adults Home Modification Program, often shortened to OAHMP, pays local governments, housing authorities, and nonprofit organizations to make small safety and accessibility changes in the homes of eligible older adults. You do not apply to HUD or Grants.gov as … Read more