Repair Grants in States

In Search of Home Repair Grants in California

Is this mission impossible? Finding home repair grants exhausting? It may not be actually. There are several sources of home repair grants in California, each with its own eligibility criteria, application process, and funding availability. Some of the most common sources are:

• U.S. Department of Agriculture (USDA) Rural Development: This federal agency offers the Single Family Housing Repair Loans and Grants program, also known as the Section 504 Home Repair program, to help very-low-income homeowners in rural areas to repair, improve, or modernize their homes or remove health and safety hazards. The program provides loans of up to $40,000 and grants of up to $10,000, which can be combined for up to $50,000 in assistance. The loans have a fixed interest rate of 1% and a repayment term of 20 years. The grants are only available to homeowners who are aged 62 or older and cannot repay a loan. The program is open year-round, and applications are processed in the order they are received. To apply, homeowners must contact their local USDA Rural Development office.
• California Department of Housing and Community Development (HCD): This state agency administers several programs that provide grants and loans for home repairs, such as the CalHome Program, the Mobilehome Rehabilitation Program, the Mobilehome Park Rehabilitation and Resident Ownership Program, and the Home Investment Partnerships Program. These programs target low-income homeowners, mobilehome owners, and mobilehome park residents, and offer assistance for various types of repairs, such as structural, mechanical, electrical, plumbing, accessibility, energy efficiency, and seismic safety. The amount and terms of the assistance vary by program and by the local agencies or organizations that administer them. To apply, homeowners must contact the local agencies or organizations that participate in these programs.
• Rebuilding Together: This is a national non-profit organization that operates in several counties in California, such as Los Angeles, Orange, San Diego, San Francisco, and Sacramento. The organization provides free home repairs and modifications for low-income homeowners, especially those who are elderly, disabled, veterans, or families with children. The organization relies on volunteers, donations, and partnerships to complete the home repairs, which typically include roofing, flooring, painting, plumbing, electrical, heating, cooling, landscaping, and accessibility. The organization accepts applications year-round, but the home repairs are usually done in April during the National Rebuilding Month. To apply, homeowners must contact their local Rebuilding Together affiliate.

Additional Resources and Support Specific to California

If you need more information or assistance with home repair grants or other housing issues in California, you may contact or visit some of the following resources and support services, such as:

• California Grants Portal: This is a website that provides a comprehensive list of all grants and loans offered by California state agencies on a competitive or first-come basis. You can search, filter, and compare the grants and loans by category, agency, status, and deadline. You can also sign up for email alerts and notifications about new or updated grants and loans.
• California Housing Finance Agency (CalHFA): This is a state agency that provides affordable housing financing and programs for homebuyers and homeowners in California. You can find information about the agency, the programs, the eligibility criteria, the application process, and the contact details on their website. You can also call or visit their local offices or partners.
• California Department of Consumer Affairs (DCA): This is a state agency that regulates and licenses various professions and businesses that provide home improvement and repair services, such as contractors, electricians, plumbers, and landscapers. You can find information about the agency, the regulations, the licenses, the complaints, and the contact details on their website. You can also call or visit their local offices or bureaus.

Charities and Organizations that Help with Home Repair Grants in California

There are many charities and non-government organizations that help with home repair grants in California. Some of them are:

• Home Repairs Ministries: This organization provides critical home repairs and modifications for low-income widows, single mothers, seniors, and people with disabilities. They have completed over 200 projects per year to create safe and healthy home environments.
• Habitat for Humanity: This charity builds houses for low-income families who cannot afford to do it themselves. They also offer homeowners assistance with repairs. The repairs are completed by volunteers, who are usually from the community where the house is being built.
• Innovative Technology Grants: These are grants offered by the California Energy Commission to support the development and demonstration of innovative energy technologies that can reduce energy costs, improve air quality, and enhance the reliability of the state’s electricity system.
• Chico’s Housing Rehabilitation Program: This is a local program that provides low-interest loans to low and moderate income homeowners for home repairs and improvements. The program covers repairs such as roofing, plumbing, electrical, heating, cooling, windows, doors, insulation, and accessibility.

These are some of the charities and non-government organizations that help with home repair grants in California. You can find more information about them and their eligibility criteria on their websites or by contacting them directly. You may also check Housing Assistance for Seniors in California and Grants for Seniors in California to get more information on housing assistance and other available programs.

This plain‑language guide helps Rhode Island homeowners find and apply for repair help. It focuses on seniors, disabled homeowners, single parents, rural residents, and veterans. You’ll see who may qualify, which programs to try first, how funds really work (grants vs. loans), and the exact steps to apply.

Last updated: December 2025
Checked against official sources as of December 2025. This is general information, not legal or financial advice, and we are not a government agency.

Who This Is For & Quick Eligibility Check

You’ll likely benefit from this guide if you are:

• A homeowner living in your Rhode Island home (1–4 units).
• Low or moderate income, or on a fixed income (SSI/SSDI, pension, VA, etc.).
• A senior (62+), a person with a disability, a veteran, or living in a rural town.
• Dealing with essential repairs (roof leak, heat, plumbing, electrical, lead, accessibility, septic/sewer, weatherization).

Quick check before applying:

• Owner-occupied (or, for some programs, landlords who rent to low‑income tenants).
• Home is in Rhode Island and needs health, safety, code, or energy repairs.
• Household income is within program limits (see HUD’s income limits tool).
• Willing to provide documents (ID, deed/tax bill, income, utility bills, contractor estimates if asked).

Top Programs in Rhode Island (Quick Table)

Amounts below are examples only. Actual awards vary by inspection, bids, and budget. Always check the official page for current limits and status.

Short Federal Snapshot (with Rhode Island links)

• USDA 504: In Rhode Island’s rural towns, USDA offers 1% repair loans (up to $40,000) and grants for seniors 62+ (up to $10,000) for health/safety fixes. Start on the regional CT‑MA‑RI page. For background on who qualifies and what to expect, see this simple USDA 504 guide.
• Weatherization (WAP): RI’s WAP is run by the Department of Human Services and local CAP agencies. It provides free energy and safety upgrades. Apply via RI DHS’s WAP page.
• Disaster repairs (FEMA): After a declared disaster, apply at FEMA’s Disaster Assistance site and check RIEMA’s Individual Assistance. You can’t be paid twice for the same damage, so keep your award letters handy.

Rhode Island Programs (Core Details)

1) Statewide Home Repair Program (Providence Revolving Fund)

Rhode Island launched a new statewide home repair effort in November 2025. The program offers forgivable loans recorded as a 5‑year lien; 20% is forgiven each year if you stay in compliance (don’t sell/transfer or cash‑out refi). See the PRF home repair program and the state’s launch notice for program scope and eligibility.

• Type: Forgivable loan (lien for 5 years).
• Typical uses: Roofs, heating, electrical, plumbing, lead/healthy‑homes, accessibility, energy upgrades.
• Who: Households around or below 80% AMI; some 2–4 unit properties; prioritizes older adults and people with disabilities.
• Money flow: PRF manages estimates, bids, and pays contractors directly; you do not pay contractors yourself.

“Forgivable loan” warning: This is not a cash grant. A lien is recorded; if you sell/transfer or do a cash‑out refinance before year 5, you may have to repay the unforgiven portion.

2) Providence CDBG Home Repair (Owner‑Occupied)

Providence provides a 0% deferred loan for emergency and code repairs (payment due when you sell/transfer or cash‑out refi). Emergencies (no heat/water, unsafe wiring, leaking roof) are prioritized; non‑emergency cases may wait. See the City’s housing page and prior program notice.

• Type: 0% deferred loan; due at sale/transfer/cash‑out refi.
• Example cap: Up to $25,000 (actual awards vary by need and budget).
• Tip: Answer calls quickly and have documents ready to avoid losing your place.

3) East Providence Home Improvement Program (HIP)

East Providence’s HIP offers a mix of grants, zero‑interest deferred loans, and low‑interest loans for emergency/code and energy/safety repairs. Eligibility is income‑based. Use the City’s HIP page to read the info packet and submit an application.

4) Warwick Community Development Home Improvement

Warwick provides fixed‑rate, low‑interest loans for code and safety repairs, and grants to tie into the sewer system when required. Details and contact are on Warwick’s community development page.

5) Lead Safety (Providence & Woonsocket)

Lead programs pay licensed pros to reduce hazards in pre‑1978 homes. Providence’s Lead Safe loans are forgivable after 3 years (owner‑occupied) or 5 years (non‑owner), and you enroll through CAPP’s Lead Safe Providence with City info on the housing page. Woonsocket offers 100% forgivable loans after 5 years, with details at Lead Hazard Reduction.

Lead help is limited to eligible households and often requires that a child under 6 lives in or frequently visits the home. For rules and complaints, see RI’s lead enforcement page.

6) Livable Home Modification Grant (Accessibility)

The state reimburses 50% of approved accessibility costs up to $4,500 (ramps, bath changes, widening doors, switches, etc.). You must pay first and then seek reimbursement, so keep all invoices. See the program page and FAQ at the Governor’s Commission on Disabilities (program info and FAQs).

This is a reimbursement grant. If cash flow is tight, ask the agency about timing or pairing with a local loan program.

7) Weatherization Assistance (WAP) & Energy Help

WAP provides free home energy and safety work (insulation, air sealing, heating safety, CO/smoke detectors). Apply with your local CAP agency through the RI DHS WAP page. Many households start with LIHEAP heating help at the DHS LIHEAP page.

8) Clean Heat RI (Heat Pumps & Electrical Upgrades)

Rhode Island offers heat‑pump incentives for households replacing oil/propane/natural gas. Low‑income households can get up to 100% of project costs (including electrical upgrades) and moderate‑income households can get up to 60%. Review OER’s program page and the July 2025 funding update; technical details and forms are on CleanHeatRI.com.

9) Septic & Sewer (CSSLP & STILF)

If you have a failing septic or must connect to sewer, your town may offer low/zero‑interest financing. See RI Infrastructure Bank’s CSSLP page and STILF program. Loan servicing is handled by RIHousing; many towns (e.g., Cranston) post their own CSSLP details.

10) USDA Section 504 (Rural Repairs)

Very‑low‑income rural homeowners can apply for 1% loans up to $40,000 and, if 62+, grants up to $10,000 for health/safety hazards. See the regional CT‑MA‑RI page for forms and where to send your application. A $20,000 loan at 1% for 20 years is about $92/month for principal and interest.

Loan caution: Loans are debt and recorded as a lien. Only borrow if you can afford the payment and taxes/insurance.

City & Town Programs (Selected)

Many RI municipalities use CDBG/HOME funds. Entitlement cities (Providence, Cranston, East Providence, Pawtucket, Warwick, Woonsocket) run their own programs. Others apply through the state’s CDBG program.

If your town isn’t listed, call City/Town Hall and ask for “Community Development” or “CDBG/HOME owner‑occupied rehab.” The state’s CDBG page shows how non‑entitlement towns apply through Rhode Island’s competitive rounds.

Income Limits & Who Usually Qualifies

Programs use household income and size, often a percentage of Area Median Income (AMI). Some use 80% AMI, others 50%, and energy programs may use 60% of State Median Income (SMI). Always check the program’s current rules and HUD’s income limits tool.

• Example (80% AMI): The Bristol program lists (effective June 1, 2025) $64,050 for a 1‑person household and $91,450 for a 4‑person household; see the Town’s home repair page for the full table. Your city’s limits may differ—confirm with HUD’s tool.
• Energy help (LIHEAP): RI LIHEAP typically uses ≤60% SMI. As a reference, Rhode Island Energy posts monthly figures by household size on its LIHEAP page; always confirm on the DHS LIHEAP page.

Special Groups & Quick Examples

Seniors (62+)

• Start with the Livable Home Modification Grant for ramps, bathroom access, and doorway widening (see program info). Pair with WAP through the RI DHS WAP page for safety/efficiency.
• For larger repairs (roof, systems), check the statewide PRF home repair program and city CDBG/HOME rehab (e.g., Providence housing or East Providence HIP).
• Example: “A 70‑year‑old homeowner in Warwick with a leaking roof may use Warwick’s home improvement loan and, for energy issues, request WAP through RI DHS.”

For a plain‑English overview of senior‑focused help and what to expect, you can also skim this seniors repair guide (background only).

Veterans

• For service‑connected disabilities, the VA’s SAH/SHA grants can fund major accessibility work; amounts are updated annually—see VA’s disability housing grants.
• For housing stability and referrals, contact Operation Stand Down RI (OSDRI services) and your local VA office.
• Example: “A Vietnam‑era veteran in Pawtucket who needs a roll‑in shower can explore VA SHA plus the state’s livable homes grant.”

Disabled Homeowners

• For accessibility, start with the livable homes FAQ and contact OSCIL for assessment support (OSCIL home access).
• For energy/safety, use WAP via RI DHS’s WAP page.

Rural Residents

• Look at USDA 504 repairs (CT‑MA‑RI page) and your town’s CSSLP for failing septic.
• Example: “A homeowner in Richmond with a failing septic can apply through the town (CSSLP) and consider USDA 504 for a failing roof.”

Families with Children (Lead or Emergencies)

• For lead, use Providence’s Lead Safe or Woonsocket’s Lead Hazard Reduction.
• For heat and urgent energy issues, start with LIHEAP at RI DHS’s LIHEAP page.

Step‑by‑Step Action Plan

Today (or as soon as you can)

1. Make a simple repair list (roof leak, no heat, unsafe wiring, accessibility ramp, septic failure).
2. Gather documents: photo ID, proof of ownership (deed/tax bill), income (paystubs/award letters), recent utility bills, and any code/inspection letters.
3. If heat or energy is the problem, start applications at RI DHS’s LIHEAP page and the WAP weatherization page.
4. Unsure where to start? Call 2‑1‑1 (United Way) or use the 211 Rhode Island page and ask for home repair referrals in your town.

This week

1. If you live in Providence, East Providence, Warwick, Cranston, Pawtucket, or Woonsocket, check your city’s rehab page (see the table above). For other towns, ask City/Town Hall about “CDBG owner‑occupied rehab.”
2. For statewide forgivable help, submit an interest form to PRF’s home repair program.
3. If rural and very low income, contact USDA via the regional CT‑MA‑RI 504 page to start your 1% loan/grant application.
4. Lead hazard? Reach out to Lead Safe Providence or Woonsocket Lead Hazard.
5. Septic failing? Ask your town about CSSLP and review RIIB’s CSSLP program.

This month

1. Complete intake appointments. Keep a folder with case numbers and staff emails.
2. Get 1–2 contractor estimates if asked (never start work before approval). For roof issues, see this plain‑English roof repair overview to prepare questions.
3. If you had disaster damage, apply at FEMA’s Disaster Assistance and check RIEMA’s Individual Assistance. Keep receipts; you can’t be paid twice for the same item.

Expect waitlists: Weatherization and city rehab can take months. Apply early, answer calls fast, and update your contact info with each agency.

Plan B, Appeals, and Common Mistakes

If denied or funds are gone:

• Ask for the reasons in writing and whether there’s an appeal or a next round.
• Ask about waitlists and when to reapply. For LIHEAP, see appeal info on the DHS LIHEAP page.
• Try nonprofits: Habitat Greater Providence’s Aging in Place, South County Habitat’s programs, and Neighbors Helping Neighbors (NHNRI).
• Consider safe loans if a grant isn’t available: USDA 504 (1%) via USDA’s CT‑MA‑RI page or city low‑interest rehab loans.

Common mistakes (and quick fixes):

• Starting work before written approval → Wait for a signed agreement or you may lose eligibility.
• Missing documents → Use a checklist; ask the intake worker to confirm your file is complete.
• Not answering calls/emails → Add agency numbers to contacts; return calls within 48 hours.
• Unlicensed contractors → Ask the city/program for qualified contractors or use their bid list.
• Title issues/heirs’ property → Call 2‑1‑1 for legal referrals or see HUD’s Rhode Island page for legal aid links.

Phone Scripts (Short and Practical)

Calling RI DHS about WAP/LIHEAP

“Hi, I live in [Town]. I need help with [no heat / high bills / insulation]. Can you connect me with my CAP agency to apply for LIHEAP and Weatherization? I have my income papers and ID ready.”

Calling Your City/Town Rehab Program

“Hello, I own and live at [address]. I’m low income and need help with [roof/electrical/lead]. Do you have a CDBG or HOME owner‑occupied rehab program? How do I apply, and what documents should I bring?”

Calling USDA Rural Development (504 repairs)

“Hi, I’m in [Town]. My home needs [roof/heat/septic], and I’m very low income. Can you tell me how to apply for Section 504 repair assistance for Rhode Island and where to send my application?”

Calling a Nonprofit (Habitat / NHNRI)

“Hi, I’m an owner‑occupant in [Town]. I’m on a fixed income and need [ramp/critical repair]. Could you tell me if I meet your criteria and how to get on your list?”

FAQs (Rhode Island‑Specific)

One‑Page Checklist & Contact Summary

Resumen en español (breve)

Esta guía es para propietarios de vivienda en Rhode Island con ingresos bajos o moderados (personas mayores, con discapacidades, veteranos, familias con niños y residentes rurales). Si su casa necesita reparaciones de seguridad (techo con filtraciones, calefacción, electricidad, plomería, accesibilidad, plomo o sistema séptico), empiece con:

• Ayuda de energía y climatización: Solicite LIHEAP y Weatherization (WAP) a través del Departamento de Servicios Humanos en la página de programas de energía.
• Programa estatal de reparaciones: El Providence Revolving Fund administra préstamos perdonables para reparaciones esenciales; vea el programa de PRF.
• Programas de su ciudad: Revise la página de su municipio (por ejemplo, Providence o East Providence).
• Dueños rurales/ingreso muy bajo: El USDA 504 ofrece préstamos al 1% y subvenciones para mayores de 62 años; consulte la página regional CT‑MA‑RI.
• Accesibilidad: La subvención “Livable Home” reembolsa el 50% (hasta $4,500) para rampas y baños; vea la página de GCD.

Si necesita ayuda para empezar o intérprete: llame al 2‑1‑1 (United Way) y pida referencias de programas de reparación y servicios de idioma.

Reminder and Where to Double‑Check Information

• Verify income cutoffs in HUD’s income limits tool.
• Confirm USDA 504 terms and where to send forms on USDA’s CT‑MA‑RI page.
• Check energy/weatherization updates at RI DHS’s energy programs page.
• For local rehab, use your city pages (e.g., Providence housing and East Providence HIP), or the state’s CDBG page.
• After storms, check RIEMA’s Individual Assistance and FEMA’s Disaster Assistance.
• When stuck, dial 2‑1‑1 or visit 211 Rhode Island for live referrals.

Rules, amounts, and income limits change. Confirm details with the agency or a trusted housing counselor before you sign anything. This guide is not legal, tax, or financial advice.

This guide is for Minnesota homeowners who need help fixing unsafe homes. It is written for seniors, people with disabilities, single parents, rural homeowners, veterans, and anyone on a tight budget. You will see who might qualify, which programs to try first, and the exact steps to apply.

Last updated: December 2025
Checked against official sources as of December 2025. This is general information, not legal or financial advice, and we are not a government agency.

Who This Is For & Quick Eligibility Check

• You own and live in a home in Minnesota (house, condo, or manufactured home on a lot or in a park).
• Your home needs health or safety work (roof leak, failing furnace, bad wiring, accessibility, or similar hazards).
• Your income is low for your county. Use HUD’s income limits tool to check your area.
• You are willing to use licensed contractors and follow program rules from Minnesota Labor & Industry.

Top Programs in Minnesota (Quick Table)

Example amounts are for orientation only. Always check the official page for current caps and rules.

Short Federal Snapshot (with Minnesota links)

• USDA 504 In Minnesota, Rural Development offers 1% repair loans and grants for very low‑income rural owners; grants are for age 62+. See the federal 504 program page and contact USDA RD Minnesota to get started. For background, this USDA 504 guide explains how packaging and grants typically work.
• WAP Minnesota runs Weatherization through the Department of Commerce and local providers, with a joint application used for both Energy Assistance and Weatherization. Start at Commerce’s WAP page and find your provider from the same site.
• FEMA After floods or storms, you can request repair help through FEMA’s Individuals & Households Program. Begin on FEMA’s Individual Assistance page and use Minnesota HSEM’s disaster recovery homeowners and renters section to track local steps.

Minnesota Programs (Core Section)

Minnesota Housing: Rehabilitation Loan Program (RLP) & Emergency & Accessibility (ELP)

Minnesota Housing funds critical repairs statewide through RLP/ELP. These are forgivable or deferred loans recorded as a lien. If you stay in the home the full term, the debt is forgiven; if you sell or move earlier, you may owe part back. Program features and eligibility are listed on the Improve Your Home page and in the agency’s RLP/ELP guide.

• What it covers: basic health/safety, energy work (like insulation), roofs, electrical, plumbing, well/septic, and accessibility. See “Eligible improvements” on the program page.
• Type of help: deferred or forgivable loan with a lien; no monthly payment while you qualify.
• Example cap: around $37,500 depending on the situation; check the current cap on Minnesota Housing’s program page.
• Who qualifies: very low-income owners statewide. Income limits for RLP/ELP are posted on Minnesota Housing’s Home Improvement Income Limits page.
• Manufactured homes: both real property and homes taxed as personal property may be eligible as shown in the program guide.
• How to apply: Contact a participating Rehab Loan lender listed through the Improve Your Home portal or email rlp.elp@state.mn.us shown on the participating lenders page.

State Disaster Recovery (when active)

When severe storms or flooding hit, Minnesota Housing may open a Disaster Recovery Loan Program (DRLP) as a last resort after insurance and federal aid. Status changes year to year, so check Minnesota Housing’s DRLP page and the public notice at Improve Your Home for whether it is open.

Energy Assistance (LIHEAP) and Weatherization

The Energy Assistance Program helps with heat, electric, and emergency furnace repairs and pairs with Weatherization for long‑term fixes. Apply on the Commerce EAP portal and provider list at the Energy Assistance page, then request Weatherization through the state’s WAP information.

Program timelines shift with federal funding. The Commerce Energy Information Center (1‑800‑657‑3710) listed on the WAP page can help you find the right local office.

New Federal- and State-Funded Rebates (Save Energy Minnesota)

Minnesota is preparing IRA rebates under “Save Energy Minnesota.” As of December 2025, the state reports that HEAR/HOMES are not yet launched; watch the Department of Commerce’s Save Energy Minnesota page and the detailed HEAR and HOMES pages for start dates and rebate rules.

City & County Programs

These local programs change with budgets. Always check the city or county page for current status, income limits, and waitlists. If your town is not listed here, ask City Hall about “owner‑occupied rehab” funded with CDBG/HOME, or call United Way 211 and request housing repair referrals.

Smaller cities often participate in CDBG/HOME “owner‑occupied rehab.” Call City Hall (Community Development) or dial 211 and ask for local home repair programs.

Income Limits & Who Usually Qualifies

Programs use income limits tied to “Area Median Income” (AMI). Some use 80% AMI, some 50%, and some have their own cutoffs. Check each program’s rules and confirm your county’s limits with HUD’s Income Limits tool.

• Example (Minneapolis–St. Paul area): A 4‑person household at 80% AMI is shown as about $104,200 on City income tables that follow HUD. See the Minneapolis limits & uses page for the current grid.
• Example (Rochester/Olmsted County): A 4‑person household at 80% AMI is listed around $100,500 in 2025 program guidance. See the county’s posted figures on the housing rehab page.

These are examples only to show the scale; always confirm your exact county and household size in HUD’s Income Limits tool.

Special Groups & Short Examples

Seniors

Start with Minnesota Housing’s RLP/ELP for health, safety, and accessibility listed on the Improve Your Home page. If you are rural and 62+, ask USDA about a grant through the Section 504 program. As background, this short seniors repair guide explains common options and pitfalls.

Example: A 70‑year‑old owner in Rochester with very low income could use the city’s rehab loan from the rehab program page for roof repairs and then ask Weatherization through the state WAP portal to seal and insulate the attic.

Veterans

Veterans with service‑connected disabilities should look at VA’s adapted housing grants. Learn how to apply for SAH/SHA on VA’s application page and see program details on the disability housing grants page. Minnesota veterans can also contact the state VA via MDVA’s assistance line for help connecting to benefits.

Example: A veteran homeowner in rural Itasca County needing a ramp and bathroom changes could combine a VA SAH/SHA grant from the VA site with RLP accessibility help listed on Minnesota Housing’s Improve page. Actual amounts depend on medical eligibility and inspection.

Disabled homeowners

Use RLP/ELP accessibility items through Minnesota Housing’s program guide and ask your county about lead and healthy homes grants, for example Hennepin’s lead program. For veterans in VA care, ask a clinician about HISA benefits on VA’s HISA page for medically‑necessary home alterations.

Rural residents

Check your address on USDA’s 504 page and call the Minnesota office shown on USDA RD Minnesota. Many rural households also qualify for Weatherization via Commerce’s WAP page. If your township has no program, ask your county HRA about CDBG rehab and use 211 to locate nonprofits like Rebuilding Together Minnesota listed at their homeowner page.

Families with children

If your home was built before 1978, test for lead and ask about grants. In Hennepin County, start with the county’s lead hazard page; in Ramsey County, see the county’s Lead at Home program for window replacement and hazard cleanup.

Step‑by‑Step Action Plan

Today (or as soon as you can)

1. Write your repair list. Put health and safety first (roof leaks, furnace, electrical). If you can, add photos.
2. Check your household size and income in HUD’s Income Limits tool. Save a screenshot for your file.
3. If heat or utilities are at risk, apply to the Commerce Energy Assistance Program and ask about emergency furnace repair.

This week

1. If you are rural and very low income, call USDA RD Minnesota using the contact info on the state RD page and ask about 504 loans/grants.
2. If you are in Minneapolis or Saint Paul, complete the Minneapolis interest form on the home improvement page or watch for Saint Paul rehab reopening dates on PED’s homeowner rehab.
3. If you are in Rochester, Duluth, St. Cloud, or Moorhead, open the city rehab page and follow the pre‑application linked above for Rochester’s rehab loan or Duluth HRA’s program page.
4. Start a folder with ID, deed/tax bill, mortgage statement, insurance, income docs, and your repair photos. Many programs list documents on the Minnesota Housing RLP/ELP page.

This month

1. Get on Weatherization’s list (joint application) using the state WAP Apply section.
2. Talk with a rehab lender for RLP/ELP via the Improve Your Home portal, and ask how liens and forgiveness work.
3. If you had storm damage, file insurance first, then apply at DisasterAssistance.gov and watch Minnesota HSEM’s disaster pages for local updates.

Expect waits. Weatherization wait‑lists can be months. City rehab may have waiting lists too. Keep your documents handy, answer calls, and confirm your place in line every few months.

Plan B, Appeals, and Common Mistakes

• If denied, ask for the reason in writing and whether there is an appeal or “reconsideration.” USDA and cities provide contacts on the USDA RD Minnesota page or each city’s program page.
• Apply to multiple options: Minnesota Housing’s RLP/ELP, your city rehab page, and Weatherization’s WAP program.
• Nonprofits can fill gaps. Rebuilding Together Minnesota shows current service areas on its homeowner page, and affiliates are listed at the national find‑an‑affiliate map.

Common mistakes and quick fixes

• Starting work before approval → Wait for written approval and a signed agreement from the program page you applied through.
• Using unlicensed contractors → Verify licenses on the state’s license lookup and see “Hire Licensed” tips at Labor & Industry.
• Wrong program for your income/address → Recheck AMI with HUD’s tool and USDA rural eligibility via the 504 program site.
• Title issues or heirs’ property → Ask legal aid; start with SMRLS or statewide resources at LawHelpMN.

Money Basics: What to Expect

• Grants: You don’t pay back, but there may be conditions. Example: USDA 504 grants are for age 62+ and must be repaid if you sell within 3 years. See the federal 504 page.
• Forgivable or deferred loans: A lien is recorded; forgiveness happens over time. Minnesota Housing explains terms on the program page.
• Regular loans: Monthly payments and a lien. Compare options and consider income stability before borrowing.
• Reimbursement or rebate: You may have to pay first and later get money back. The state’s upcoming HEAR/HOMES rebates will follow rules posted on the Save Energy Minnesota page.

USDA 504 example payment: A $20,000 loan at 1% for 20 years is about $92/month for principal and interest. Actual eligibility and payments are set by USDA; see “terms” on the program page.

Ask the agency or a tax professional if funds could affect taxes or benefits like SSI/SSDI/SNAP. If unclear, request written guidance.

Phone Scripts

Calling Minnesota Housing (RLP/ELP)
“Hi, I own and live in my home in [city]. My income is about [$X] for [Y] people. I have health/safety repairs: [roof/furnace/etc.]. I’d like to ask about the Rehab or Emergency & Accessibility programs listed on your Improve Your Home page. Can you tell me the steps and the closest participating lender?” (Reference the contact info and links on the program page.)

Calling your city rehab program
“Hello, I’m a homeowner at [address]. I saw the owner‑occupied rehab program on your website. My repairs include [list]. My income is about [$X]/[Y] people. Can you confirm if your program is open and how to join the waitlist? Also, is this a forgivable or deferred loan?” (Use Minneapolis’ home improvement page or Saint Paul’s rehab page.)

Calling USDA Rural Development (Section 504)
“Hi, I live in [town/county]. My address appears rural on the USDA site. Our income is [$X] for [Y] people, and I’m [age 62+/under 62]. We have health/safety repairs. Could you tell me if I might qualify for a 504 loan or grant and how to submit the application?” (Find contacts on USDA RD Minnesota.)

Calling a nonprofit (Rebuilding Together)
“Hello, I’m a low‑income homeowner in [county]. I saw your program page. We have [critical repair]. Do you have an application open for my area, or a partner I should call?” (Check RTMN’s home repair page.)

FAQs (Minnesota‑Specific)

Do programs help with manufactured homes?
Often, yes. Minnesota Housing’s RLP/ELP includes homes taxed as personal property when rules are met, per the program guide. Rebuilding Together Minnesota has a manufactured homes program in the metro shown on its page.

I’m behind on utilities or heat. Is there emergency help?
Yes. Apply to the state’s Energy Assistance Program and ask about emergency furnace repair using Commerce’s EAP portal. If storm damage caused the outage, also look at FEMA’s Individual Assistance.

How long is the wait?
Weatherization can take months. City rehab programs can take a season or more depending on budgets. Minneapolis posts current info on its home improvement page, and Saint Paul lists status on the rehab page.

Will I have a lien?
For RLP/ELP and most city rehab, yes. It’s recorded and forgiven over time. Minnesota Housing explains the lien on the program page. Ask for the term and repayment triggers in writing.

What if my income is a little over the limit?
Ask the program if any deductions apply. Minnesota Housing lists an adjustment on its income limits page. If still over, look at low‑interest options like Minnesota Housing’s Fix Up loans on the Improve page and check utility rebates posted under Commerce’s Save Energy Minnesota.

I have title issues or heirs’ property.
Programs may require clear ownership. Contact legal aid through SMRLS or statewide LawHelpMN. Courts offer self‑help info at the Minnesota Judicial Branch’s Self‑Help Center.

Roof repairs in winter—what’s realistic?
Some work must wait for weather, but health and safety stabilization can proceed. Ask the city or Minnesota Housing lender about temporary protection and scope sequencing shown in their program guidance. For ideas on funding order, see this plain‑language roof repair overview.

How do I avoid bad contractors?
Verify state licensure on the license lookup and review consumer tips at Labor & Industry’s Hire Licensed page. After storms, see Commerce’s contractor advice in the state Disaster Info center.

One‑Page Checklist & Contact Summary

Quick Checklist

• Make a list of home problems (health/safety first). Add photos.
• Check your income in HUD’s Income Limits tool.
• Gather: ID, deed/tax bill, mortgage/insurance, income proof, repair list, estimates if requested.
• Apply to 2–3 programs: Minnesota Housing RLP/ELP, your city/county rehab page, and Commerce’s WAP/EAP joint application.
• Track case numbers, worker names, and deadlines. Call back if you miss a call.

Contact Summary (save this)

Resumen en español (Short Spanish Summary)

Esta guía es para dueños de casa en Minnesota con ingresos bajos. Si su hogar tiene problemas de seguridad o salud (techo con goteras, caldera rota, cableado peligroso, moho, o necesita una rampa), empiece con tres pasos: 1) Solicite Ayuda de Energía (EAP) y pregunte por reparación de calefacción en la página del Departamento de Comercio de Asistencia de Energía; 2) Aplique a reparación gratuita de eficiencia (Weatherization) usando la información de Weatherization; 3) Llame a Minnesota Housing para préstamos diferidos/perdonables de reparación (RLP/ELP) en la página Mejore su Hogar.

Si vive en un área rural y tiene ingresos muy bajos, pregunte a USDA sobre préstamos al 1% y posibles subvenciones del programa 504 (en la página federal de Reparación 504). Si hubo un desastre (inundaciones o tormentas) y su condado está declarado, aplique a FEMA en DisasterAssistance.gov y revise la página estatal de HSEM para Minnesota en Recuperación de Desastres.

En ciudades grandes también hay programas: Minneapolis (préstamos y referencias) en la página de mejoras del hogar, y Saint Paul (préstamos diferidos) en la página de rehabilitación. Para encontrar ayuda local o pedir intérprete, llame al 2‑1‑1 (United Way) o visite la página 211 y pida asistencia en su idioma.

Reminder and Where to Double‑Check Information

• Confirm your income level in HUD’s Income Limits tool.
• Verify USDA 504 loan/grant terms on the federal program page and find Minnesota contacts at USDA RD Minnesota.
• Check Minnesota’s Weatherization/Energy Assistance info at Commerce’s WAP page and the EAP page.
• For disasters, use HSEM’s state disaster info and FEMA’s assistance page.
• For statewide referrals, call 2‑1‑1 or visit United Way 211.

Rules, amounts, and income limits change. Always confirm with the agency or a trusted housing counselor. This is not legal, tax, or financial advice.

This guide is for Indiana homeowners who need help fixing unsafe conditions, especially seniors, people with disabilities, rural homeowners, veterans, and families with tight budgets. You’ll see the programs that usually help first, how the money works, and simple steps to apply.

Last updated: December 2025
Checked against official sources as of December 2025. This is general information, not legal or financial advice, and we are not a government agency.

Who This Is For & Quick Eligibility Check

• Homeowners living in Indiana who have low or fixed income, including seniors and disabled adults.
• Families with urgent health or safety issues (roof leaks, no heat, electrical hazards, accessibility barriers).
• Rural homeowners and small-town residents who may qualify for USDA 504 repair help through local Rural Development offices.
• People affected by storms or floods who may qualify under the Indiana disaster assistance page after a declared event.

Quick check before you spend time:

• You own and live in the home (name on the deed or a clear path to prove ownership).
• Your home is in Indiana (city or rural), and repairs are health/safety or needed to keep the home livable.
• Your income is within program limits (see HUD’s income limits tool and local program pages linked below).

Top Programs in Indiana (Quick Table)

This table lists programs many Hoosier homeowners use first. Amounts and rules change; always confirm on the official page.

“Example max help” gives scale. Most awards are lower and depend on inspection, need, and funding. Always check the current rules on the linked program page.

Short Federal Snapshot (with links out)

• USDA Section 504 in Indiana: Rural Development offers 1% repair loans and small grants for seniors (62+). Indiana homeowners connect through the state’s USDA office directory and the Indiana 504 program page. For a plain-English overview, see this USDA 504 guide.
• Weatherization Assistance (WAP): IHCDA runs WAP statewide; work is free after an energy audit and focuses on health, safety, and energy use. Start at IHCDA’s WAP information page to find your local provider.
• Disaster repair (FEMA/SBA/State): After a declared disaster, apply through FEMA’s Individuals and Households Program and check Indiana’s Individual Assistance page. If referred, SBA’s home disaster loans may cover gaps. You cannot be paid twice for the same damage; agencies must avoid “duplication of benefits.”

Indiana Programs (Core Section)

IHCDA Weatherization Assistance (WAP)

WAP installs measures that cut energy costs and fix basic safety issues. Typical items come from the audit (air sealing, insulation, heating system safety). It is not a general rehab program. Start on IHCDA’s Weatherization page, then use the drop-down to find your county provider. Wait-lists are common, so apply early.

Money type: Grant (no repayment). Scope: Based on energy audit. Apply: Local provider via the IHCDA program page.

Energy Assistance Program (LIHEAP/EAP)

This gives a one‑time benefit on your utility account and can help during winter shut‑off protections. Read dates and income rules on IHCDA’s Energy Assistance page, or if you live in Marion County, the local portal at IndyEAP explains timing and documentation.

Money type: Utility credit (not a repair). Timing: Seasonal windows; keep paying your bill while pending. Apply: IHCDA’s EAP page.

OCRA Owner‑Occupied Rehabilitation (OOR)

Indiana’s Office of Community and Rural Affairs funds local governments to run owner‑occupied repair programs. Communities target core health and safety repairs, like roofs, HVAC, water heaters, and accessibility. The state outlines eligible activities on OCRA’s OOR program page, while your town or county posts its own application when funded.

Money type: Local programs often use grants or forgivable/deferred loans with a recorded lien. What to expect: Income checks and an inspection; funds are limited and run in rounds. Apply: Watch your city/county community development site and review OCRA’s program details.

State Disaster Relief (when FEMA isn’t available)

When there’s damage but no (or limited) federal aid, Indiana’s State Disaster Relief Fund can help with essential repairs if you are uninsured or underinsured. Start at the Indiana Department of Homeland Security’s Individual Assistance page and review SDRF policy notes on the SDRF program page.

Money type: State grant assistance with caps and documentation. Warning: No duplication of benefits. Apply: Use the state’s disaster assistance page or call 211 for help applying.

Utility Rebates (lowering repair costs)

Rebates can reduce HVAC, water heater, or insulation project costs. For example, NIPSCO lists current home rebates on its residential rebates page, while AES Indiana posts appliance and DIY offers on its appliance rebates page and larger upgrades on the home improvement rebates page. Rebates are reimbursements or instant discounts, not grants.

Money type: Rebate/discount (you pay first, then get money back). Tip: Read utility pages carefully for dates, paperwork, and participating contractor rules.

City & County Programs

Here are examples from larger Indiana cities. Programs open and close during the year; always check the city page for current status.

If your town isn’t listed, ask City Hall for “owner‑occupied rehabilitation” or “homeowner repair” and check the state’s OOR program page to see how communities get funded.

Income Limits & Who Usually Qualifies

Programs use income limits so help goes to households with the greatest need. Many use Area Median Income (AMI). Some use 80% AMI, some 50%, and others set different cutoffs. Always check the program’s actual rules.

• To look up your area, use HUD’s Income Limits tool and select your county/metro.
• As a local example, the Indianapolis Housing Agency posts current limits on its eligibility page for the Indianapolis‑Carmel metro.
• For South Bend, the city lists 80% AMI figures on the Lead Safe program page as an example for that metro.

Examples are for orientation only. Limits change every year and by location. Always confirm on the program’s official page.

Special Groups & Short Examples

Seniors (62+)

If you are 62 or older, consider two first steps: USDA 504 grants for health/safety hazards and local city grants. Start with the USDA 504 program page, and also check your city’s rehab listings, such as Bloomington’s Emergency Home Repair or South Bend’s senior roof repair page. For background on what seniors can expect, this seniors repair guide explains typical rules and liens.

Example: A 70‑year‑old homeowner in Evansville could apply to the city’s Affordable Housing Fund for a roof and then contact IHCDA’s Weatherization program for energy fixes. Actual amounts depend on inspection and funding.

Veterans

Veterans with service‑connected disabilities should review VA housing grants like SAH/SHA and HISA on VA’s official pages, and combine that assistance with local options like OCRA‑funded rehab. Contact your county Veterans Service Office and check Indiana DVA’s resources page for state‑level contacts and referrals.

Example: A veteran in rural Knox County could pair a VA accessibility grant with a USDA 504 repair loan if income qualifies and the home is in an eligible area.

Disabled Homeowners

Look for accessibility‑focused programs first. Fort Wayne’s Accessibility Modifications program and Bloomington’s Home Modifications for Accessible Living are examples. Weatherization also addresses health/safety issues tied to energy systems through IHCDA’s WAP page.

Example: A homeowner in Fort Wayne who uses a wheelchair might receive an entry ramp and bathroom changes through the city’s program and then seek WAP for duct sealing and furnace safety.

Rural Residents

Start with USDA. Use the Indiana USDA contacts page to reach your area office and ask about Section 504 repair assistance. Then ask your county about OCRA‑funded owner‑occupied rehab rounds using the state’s OOR program page as a reference.

Example: A homeowner outside Columbia City may qualify for a 1% USDA 504 loan to replace unsafe wiring and then apply for WAP via IHCDA’s provider finder.

Families with Children

If your home was built before 1978, check for lead programs. South Bend’s Lead Safe South Bend is a model; other cities and counties often have similar lead hazard grants under HUD rules. Pair that with WAP and, if needed, with a local rehab program through the state’s OOR framework.

Step‑by‑Step Action Plan

Today (or as soon as you can)

1. Write your top problems in plain words: “roof leak in bedroom,” “furnace out,” “breaker trips.”
2. Gather documents: ID, deed or property tax bill, homeowner’s insurance, utility bill, income proof (SSA/SSDI letter or pay stubs), and photos of damage.
3. Call 211 and ask for home repair and weatherization referrals in your county; 211 is listed on the state’s disaster assistance page and can connect you to local intake agencies.

This week

1. Apply for WAP through IHCDA’s WAP page and apply for Energy Assistance at IHCDA’s EAP portal if bills are high.
2. If rural and very low income, call USDA using the Indiana contacts page and ask about Section 504 repairs.
3. Check your city/county site for rehab postings (see the examples above) and the state’s OOR page to know what to ask staff.

This month

• If you are in Fort Wayne or Bloomington, submit for the accessibility or emergency repair programs through the Fort Wayne portal or HAND’s EHR page.
• If you are in Evansville, ask about current AHFAC repair rounds on the city’s AHFAC page.
• For roof/HVAC work, scan rebates to reduce costs on NIPSCO’s rebates page or AES Indiana’s home improvements page.

Weatherization wait‑lists can be several months. City rehab rounds may close fast. Apply early and keep copies of everything.

Plan B, Appeals, and Common Mistakes

If you’re denied or funds are gone, ask for the reason in writing and the next application window. Ask whether there is an appeal or informal review.

• Try nonprofits: In Marion County, Home Repairs for Good serves low‑income seniors and disabled owners. In St. Joseph County, Rebuilding Together runs volunteer‑based repair events. Your Area Agency on Aging can be found through IHCDA’s programming for seniors page.
• Safe loans only: If you consider debt, USDA’s 1% 504 loans may be safer than high‑interest financing; the USDA page shows terms and contacts.
• FHLBank “Revive” grants: Some banks offer repair grants via FHLBank’s Revive program for owners ≤80% AMI.

Common mistakes with quick fixes:

• Starting work before approval → Wait for a written approval or risk losing eligibility.
• Missing documents → Use the checklist below; upload legible PDFs.
• Unlicensed contractor → Ask the city or program for the approved list.
• Unclear title/heirs’ property → Call Indiana Legal Services or try the court‑supported Indiana Legal Help site for help clearing title.
• Not returning calls → Save voicemails and call back within 48 hours.

Money Details You Should Know

• Grants don’t require monthly payments, but many are recorded as liens for 5–10 years. If you sell or move before the period ends, part may need to be repaid. Local pages, like Bloomington’s EHR program, explain terms.
• Forgivable/deferred loans are debt tied to your home. Read the lien and affordability period carefully on your city’s page, such as Evansville’s AHFAC info.
• USDA 504 loans run up to 20 years at 1%. A $20,000 504 loan at 1% for 20 years is about $92/month for principal and interest (taxes/insurance extra) per the USDA page.
• Rebates cut costs but require you to pay first; see utility pages like NIPSCO’s rebates page for precise steps.
• Taxes/benefits can be complicated; ask the agency or a tax pro whether funds could affect SSI, SSDI, SNAP, or state benefits.

Phone Scripts

Use these short scripts when calling. Be ready with your address, income source, and top two repair needs.

Calling WAP/EAP (IHCDA local provider)

“Hi, my name is [Name]. I live at [address] in [county]. I’d like to apply for Weatherization and Energy Assistance. My main issues are [no heat/unsafe wiring/high bills]. Can you tell me how to start and what documents you need?” (Find providers from IHCDA’s WAP page and EAP page.)

Calling a city/county rehab program

“Hello, I’m a homeowner in [city/county]. I’m calling about owner‑occupied repairs. My top needs are [roof leak/furnace]. When is the next application window, and can I get on an interest list? Where can I find the forms on your website?” (Use the OOR info on OCRA’s page to guide your questions.)

Calling USDA Rural Development (504)

“Hi, I own and live in a home in [rural town/county]. I’d like to ask about the Section 504 repair program. My household income is about [$], and I need [electrical/roof/ADA repairs]. Could I pre‑screen over the phone and get the intake forms?” (Find the office from the USDA Indiana contacts page.)

Calling a nonprofit (Habitat/Rebuilding Together)

“Hello, I’m a low‑income homeowner at [address]. I’m looking for help with [ramp/roof leak/safety repairs]. Do you have a repair program or referral list? What income proof and photos do you need?” (For Marion County, try Home Repairs for Good; for St. Joseph County, see Rebuilding Together.)

FAQs (Indiana‑Specific)

Do Indiana programs help with manufactured homes?
Many city rehab programs require the home to be real property with the ability to record a lien; some limit assistance for manufactured homes on leased land. Confirm the rule on your city’s page and ask WAP via IHCDA’s Weatherization page about eligibility by home type.

My income is slightly over the limit. Any options?
Try partial‑cost options like utility rebates (see NIPSCO’s rebates page or AES Indiana’s appliance rebates page) and ask your city whether moderate‑income homeowners can use limited exterior or accessibility programs. If rural, still ask USDA via the Indiana contacts page about 504 loans.

How long is the wait?
Weatherization wait‑lists can take months. City OOR or rehab rounds often fill quickly after opening and may hold a queue. Check IHCDA’s Energy Assistance page for season dates, and monitor your city’s rehab page weekly during open windows.

What about liens and payback?
Many “grants” are secured with a lien and forgiven over time. If you sell, move, or transfer the home early, the unforgiven portion may be due. Evansville explains terms on its AHFAC page, and Bloomington lists rules on its EHR page. Always read your agreement.

Storm damage: FEMA, state, or both?
If there’s a declared disaster, apply to FEMA’s Individuals and Households Program. If FEMA isn’t available, you may qualify for Indiana’s SDRF on the Individual Assistance page. You cannot receive duplicate payments for the same damage.

I live in a small town. Who do I call first?
Call your town hall or county community development office and ask about owner‑occupied rehab. Then check OCRA’s OOR program page to understand how local rounds work, and apply for WAP through IHCDA’s Weatherization page.

Can I combine programs?
Often yes. For example, a USDA 504 loan can fund structural repairs, while WAP handles energy/safety measures, and a utility rebate helps with a high‑efficiency water heater. Just keep receipts and avoid duplication of benefits.

One‑Page Checklist & Contact Summary

Quick Checklist

• List urgent problems (2–3 items) with photos.
• Check income limits via HUD’s Income Limits tool.
• Gather documents: ID, deed or tax bill, income proof, utility bill, insurance.
• Apply: WAP (IHCDA) + EAP, your city/county rehab, and USDA 504 if rural.
• Track: Save case numbers, dates, and contacts in a simple notebook.

Contacts (save these)

Resumen en español (Short Spanish Summary)

Este guía es para dueños de vivienda en Indiana con ingresos bajos o fijos, especialmente adultos mayores, personas con discapacidades, familias con niños y residentes rurales. Para empezar, solicite el programa de Climatización (WAP) y la Asistencia de Energía (LIHEAP/EAP). En la página de IHCDA, use la sección de Climatización para encontrar la agencia local, y presente su solicitud de energía en la página de Asistencia de Energía.

Si vive en un área rural y su ingreso es muy bajo, llame a USDA sobre el programa de reparaciones Sección 504 usando el directorio de oficinas en Indiana. En ciudades y condados, busque programas de “rehabilitación ocupada por el dueño” (OOR) en el sitio del estado de OCRA y en la página de su ciudad. Para daños por desastres, revise la ayuda de FEMA en la página de Asistencia Individual y la asistencia estatal en la página de Manejo de Emergencias de Indiana.

Si necesita ayuda con el idioma, llame al 211 y pida un intérprete. Explique sus dos problemas principales (por ejemplo, “goteo de techo” o “calefacción no funciona”) y tenga listos sus documentos: identificación, prueba de ingresos, factura de servicios, y prueba de propiedad. Si una solicitud es negada, pida la razón por escrito, pregunte por la apelación y cuándo reabrirá el programa.

Advertencia: algunos “subsidios” se registran como un gravamen por 5–10 años. Si vende antes de ese período, podría tener que devolver parte del dinero. Si no está seguro, pregunte a la agencia antes de firmar.

Reminder and Where to Double‑Check Information

• Look up your local limits with HUD’s income limits tool.
• For rural repairs, use USDA’s Indiana contacts page and the state’s 504 program page.
• For energy/safety upgrades, start at IHCDA’s Weatherization page and the Energy Assistance page.
• For disaster repair, use Indiana’s Individual Assistance page and FEMA’s IHP program page.
• Need a referral? Dial 211 for local intake help and program listings in your county.

Rules, amounts, and income limits change. Always confirm with the agency or a trusted housing counselor before you decide. This is not legal, tax, or financial advice.

Background reading (optional): For an overview of federal repair options, see the USDA 504 guide, a seniors repair explainer, and a quick look at roof repair grants. Always prioritize the official links above for current Indiana rules.

Who this guide helps and what you’ll get

This guide is for Delaware homeowners who need help fixing their homes in 2025. It also helps caregivers applying for a senior, a veteran, or a person with a disability. If you live in Wilmington, Dover, Newark, Middletown, Milford, Seaford, Georgetown, or a small town in between, you’ll find options here.

What you’ll get:

• Plain‑English steps to apply for home repair grants for low‑income homeowners in Delaware
• 2025 rules and caps for federal programs that serve Delaware
• State, county, and city contacts with working links placed where you need them
• A quick eligibility check using HUD and USDA tools
• A step‑by‑step action plan and a printable checklist
• Word‑for‑word phone scripts
• Naturally placed long‑tail keywords so more neighbors find this help online

We link only to official government sources where possible: HUD, USDA, VA, the Delaware Department of Natural Resources and Environmental Control (DNREC) for Weatherization, the Delaware State Housing Authority (DSHA) for state programs such as the Statewide Emergency Repair Program (SERP), and county or city government pages. No lead generators or “apply here” traps—just real programs that can pay for real repairs.

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 fits the 2025 income limit for your county or metro.
• Your home needs health or safety work: a leaking roof, failed heat, unsafe wiring, broken plumbing, or accessibility
• You are 62+ (for certain grants), a veteran with a qualifying disability, disabled, or you live in a rural
• Your property taxes are paid or on a plan.
• You are current on the mortgage (or you own the home free and clear).

To see your exact 2025 income limit, open the HUD Income Limits tool at huduser.gov/portal/datasets/il.html. Pick Delaware, then your county or metro (for example: Wilmington–Newark, Dover, Salisbury MD–DE for Sussex County communities). You can save the HOME income limits for the state from the HUD hub at HOME Income Limits – 2025 (choose State = Delaware).

If you live outside a major metro or on the edge of town, check if your address is rural‑eligible for USDA repair help using the USDA Income & Property Eligibility site. That site confirms rural status and shows USDA income limits for your county.

Long‑tail keywords your neighbors search for: “Delaware home repair grants for seniors 2025,” “USDA 504 home repair grants Delaware rural homeowners,” “Delaware disability home modification grants,” “free home repair programs for low‑income families in Delaware,” “emergency home repair assistance Wilmington DE,” “Delaware furnace replacement grants low-income.”

Top programs quick reference

These links go straight to USDA, DNREC, VA, DSHA, and county/city pages. For small towns that don’t run their own programs, many repairs are funded by Small Cities CDBG through DSHA. See how the CDBG pipeline works at DSHA FY2025 CDBG Program Guidelines (PDF).

Federal programs that help Delaware 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 with a loan if your project needs both.

Who qualifies
– Very‑low income (USDA county income limits).
– You own and live in the home.
– Your address is in a USDA‑eligible rural area (confirm on the USDA site). Many areas in Kent and Sussex counties are rural‑eligible; some edges of New Castle County may qualify too.

What it fixes
– Repairs that remove health or safety hazards: roofing, failed heat/boiler, unsafe wiring, broken plumbing, and accessibility work like ramps or bathroom changes.

How to apply in Delaware
– Open the Delaware/Maryland 504 page: Single Family Housing Repair Loans & Grants in Delaware, Maryland. That page provides a state overview, application steps, and a Contact section.
– Save the State Office contact for questions: USDA Rural Development Delaware & Maryland (Dover office with phone).
– Before you call, check address eligibility and income limits on the USDA eligibility site.
– Gather your deed, photo ID, proof of income for everyone in the home (last 2 months), your latest property tax bill, home insurance page (if you have one), and photos of the repair need.
– Ask the USDA office about current funding and processing time for your county.
– Do not start work until you have written approval. Starting early can make a project ineligible.

If your home has disaster damage
– Review USDA Rural Disaster Home Repair Grants. This grant is for specific Presidential disaster declarations and has its own rules and dates. It can fund up to $44,000 in grant repairs for eligible rural homeowners in covered areas.

Long‑tail keywords: “USDA 504 home repair grants Delaware small towns,” “1% home repair loans very low income Delaware,” “Delaware senior home repair grant $10,000 USDA.”

Weatherization Assistance Program (WAP) in Delaware

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

Who runs it in Delaware
– The program is overseen by DNREC’s Division of Climate, Coastal and Energy and delivered by contracted local agencies. Start at Delaware Weatherization Assistance Program (DNREC) to learn how to apply and find the current intake. DNREC also has a plain‑language story about how the program works and who delivers it at Our Weatherization Assistance Program – Helping Families Reduce Energy Costs.

Why weatherization matters in Delaware
– Winters can be cold and damp, and many homes are older with oil, propane, or electric resistance heat. Weatherization cuts heating bills, reduces drafts, and can fix unsafe venting or electrical issues. If crews find a serious hazard, they can guide you to the right repair program.

How to apply
– Use the DNREC page above to reach the current provider covering your county. When you call, ask:
– “Are you accepting new weatherization applications right now?”
– “What documents do you need?”
– “About how long is the wait list?”

Helpful context
– For national steps and forms, review DOE’s How to apply for weatherization.

VA home adaptation grants (SAH, SHA, TRA)

Who qualifies
– Veterans with service‑connected disabilities on VA’s list (for example, loss of use of limbs, serious burns, certain breathing injuries). For SAH/SHA you must own or will own the home you adapt. TRA helps with temporary changes in a family member’s home.

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, no‑step entries, kitchen and bath changes, and other items needed for daily living.

How to apply
– Start with VA disability housing grants.
– Follow the How to apply steps and submit VA Form 26‑4555 online.
– Ask to connect with an SAH Agent serving Delaware for guidance.

Delaware state programs and how to use them

Statewide Emergency Repair Program (SERP) — Delaware State Housing Authority

• SERP focuses on urgent repairs that affect health and safety. Typical jobs include plumbing, electric, heating system repairs or replacement, roofing, and installing grab bars or ramps for safety. See the state description at DSHA’s SERP news post.
• Milford Housing Development Corporation (MHDC) is the administrator for many SERP and local CDBG repair projects. Learn how they intake and manage repairs at MHDC Home Repair. If your city contracts with MHDC, they will guide you through the application and scope-of-work

State CDBG and HOME pathways through DSHA

• HUD’s CDBG and HOME funds flow to Delaware’s counties and cities to support owner‑occupied housing rehabilitation and emergency repairs.
• The Delaware State Housing Authority (DSHA) administers the Small Cities CDBG for communities that are not direct HUD “entitlement” jurisdictions. Towns and counties apply for funds each year and then run homeowner repair projects. You can see how the pipeline works and who is eligible at DSHA FY2025 CDBG Program Guidelines (PDF).
• To find an active program near you, check your county or city page below, or call DSHA and ask which CDBG‑funded repair programs are open in 2025.

Long‑tail keywords: “owner‑occupied housing rehabilitation grants Delaware,” “Small Cities CDBG housing rehab Delaware rural towns,” “HOME program rehabilitation Delaware 2025,” “Delaware emergency home repair assistance low‑income homeowners.”

County and city programs (who to call and why)

New Castle County
– The County’s Home Repair Programs help low‑ and moderate‑income owner‑occupants fix health and safety hazards. Programs are federally funded and run by the Community Development & Housing division. See current options and contact info at New Castle County Home Repair Programs. If intake is closed, call and ask when the next window opens or whether a wait list is available.

Wilmington
– The City’s Department of Real Estate & Housing lists homeowner resources, including the Statewide Emergency Repair Program (SERP) connection and other city‑linked offerings. Visit Wilmington resources for homeowners. The City sometimes runs special efforts for seniors or specific neighborhoods; for example, past press noted a senior repair lottery. Always check the current year program page for active details and contacts.

Dover
– The City of Dover partners with MHDC for CDBG‑funded Emergency Home Repair and Housing Rehabilitation grants. Get intake and contact details through MHDC Home Repair and ask for Dover application steps and current caps.

Sussex County
– The County’s Community Development & Housing office applies for CDBG and runs owner‑occupied rehab that serves low‑ and moderate‑income households. See program scope and contacts at Sussex County CDBG. Some towns in Sussex also partner directly with MHDC or Habitat; ask the County office which track fits your home and address.

Kent County and small towns
– Kent County works with towns and non‑profits to run CDBG‑funded repairs. If your town website does not show a current homeowner repair page, call Town Hall and ask for Community Development or Planning. Then ask whether they use DSHA Small Cities CDBG this year and who handles applications. You can also call MHDC and ask which Kent County towns they serve in 2025.

Community nonprofits that pair with public funds
– Habitat for Humanity affiliates in Delaware may offer critical home repair or Healthy Homes services that can pair with public funding. For example, Sussex County Habitat for Humanity posts a Healthy Homes repair model at Sussex County Habitat Home Repair. Check your local Habitat affiliate for current intake and income limits.

Long‑tail keywords: “Wilmington emergency home repair grants for seniors,” “Dover emergency home repair assistance,” “New Castle County home rehabilitation program application,” “Sussex County critical home repair grants,” “Kent County Delaware CDBG housing rehabilitation.”

How to pull 2025 income limits fast

Most county and city programs use HUD 2025 income limits (often 80% of Area Median Income for rehab). USDA 504 uses USDA very‑low limits and requires a rural address.

HUD method
– Open HUD Income Limits – FY 2025.
– Pick Delaware, then your metro (for example: Wilmington–Newark, Dover, Salisbury MD–DE) or your county if you are outside these metros.
– Choose your household size (1–8). Write down Very Low (50%) and Low (80%) limits. If your city uses HOME limits, grab the state set from HOME Income Limits – 2025.

USDA method
– Use the USDA eligibility site to check Property Eligibility for your address and view income limits for the Single Family Housing Repair Loans & Grants program in your county.

Long‑tail keywords: “HUD 2025 income limits Delaware by county,” “USDA very low income limits Delaware 2025,” “Delaware low‑income home repair grant eligibility table.”

Who should start where

Seniors (62+)
– Try USDA 504 Grants first for health/safety fixes (up to $10,000; lifetime cap). If you need more, add the 1% loan. For energy needs, add Weatherization through DNREC. If your repair is urgent (heat out, electrical hazard, roof leak), contact SERP via MHDC Home Repair right away.

Veterans (with qualifying disabilities)
– Start with VA SAH/SHA/TRA, since 2025 caps are high. Then layer Weatherization for energy fixes. If you live in a rural area, check USDA 504 for any remaining hazards. Some county programs can also fund accessibility items when tied to health/safety.

Disabled (non‑veteran)
– Ask your county or city rehab program about accessibility changes. Many CDBG/HOME projects allow ramps, bath changes, and door widening when tied to health/safety. If you are rural, also check USDA 504. Add Weatherization if you have energy or ventilation issues.

Rural homeowners
– Use USDA 504 first because it is designed for rural homes. If your damage came from a Presidential disaster, review USDA Rural Disaster Home Repair Grants. Add Weatherization through DNREC for energy and safety. If an emergency hazard exists, reach out to SERP through MHDC.

Long‑tail keywords: “Delaware home repair assistance for disabled homeowners,” “senior home repair grants in Delaware rural areas,” “free boiler replacement program for low‑income seniors Delaware.”

Step‑by‑step action plan with timelines

Week 1 — Confirm your fit
– Pull your HUD 2025 income numbers for your area using the HUD tool.
– Check USDA rural status for your address on the USDA site.
– Choose one main path: USDA (rural), County/City rehab, Weatherization, SERP, or VA (if eligible).

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 what needs repair.
– If you can, get one estimate for each major fix (many programs will bid after approval, so one estimate is enough for planning).

Week 3 — Start applications
– USDA 504: Call the number on the Delaware/Maryland 504 page or the state office and request the application checklist.
– Weatherization: Use the DNREC WAP page to find the current provider and get on the list.
– County/City rehab: Check your county/city page above and ask when applications open next.
– SERP (emergencies): Contact MHDC via MHDC Home Repair to screen for emergency repairs.
– Veterans: Start at VA disability housing grants or ask for help with 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 wait list and request the next opening date.

When approved
– Review and sign the scope of work before any work starts.
– Keep receipts, permits, and before/after photos.
– For accessibility or structural work, confirm your contractor is qualified and licensed. In some cases, the city or county will help secure bids; for USDA and VA, staff will review the scope and the bids before you start.

Real success models and what they show

• New Castle County Home Repair Programs show how a county can run health and safety repairs at scale with federal funds and a clear intake flow. See the current menu and contacts at New Castle County Home Repair Programs.
• Wilmington’s homeowner resources demonstrate how a city connects residents to SERP, CDBG, and allied efforts in one place. Use Wilmington resources for homeowners to track current offerings.
• Sussex County CDBG highlights how a county applies for HUD funds to fix homes in small towns and unincorporated areas. Learn the basics at Sussex County CDBG and call the office for 2025 intake status.
• MHDC Home Repair shows how a statewide non‑profit can administer city and county repair programs and handle SERP projects on DSHA’s behalf. See process details at MHDC Home Repair.

Long‑tail keywords: “Wilmington emergency home repair help for seniors,” “Dover emergency furnace replacement grant,” “New Castle County accessibility home modification grant program,” “Sussex County free home repair program low income.”

Plan B if you are denied

• Appeal in writing. Ask the office why you were denied. If it was missing documents or a small error, fix it and reapply.
• Try another lane.
  • Not rural? Focus on your County/City rehab plus Weatherization or SERP (if urgent).
  • County/City closed? Try USDA 504 (if rural) and VA (if eligible).
  • Only need accessibility? Ask if your program has an accessibility track or if Weatherization can add health and safety
• Stay on the list. Ask to remain on the wait list and request the next window

Common mistakes to avoid

• Missing proof of income. Send 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 payment plan.
• Applying to USDA without rural status. Always check the USDA eligibility site
• Starting work before approval. This can make your project ineligible.
• No deed copy. If you can’t find it, request a copy from the county recorder or town clerk.
• Not answering calls. If the office can’t reach you, they may move to the next person.

Long‑tail keywords: “why home repair grants get denied Delaware,” “documents needed for Delaware home repair assistance,” “how to qualify for Delaware home repair grants 2025.”

Phone scripts you can read word for word

USDA 504 (Delaware/Maryland)
> “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/heat/electrical/plumbing]. 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 (DNREC provider)
> “Hello, I live in [county/city/town] 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.”

County/City owner‑occupied rehab
> “Hi, I’m a homeowner in [county/city/town]. 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?”

SERP (emergency repairs)
> “Hi, I’m a Delaware homeowner and I have an urgent home repair. I saw the Statewide Emergency Repair Program (SERP) and the MHDC contact. My home needs [heat/electric/roof]. Could you screen me for SERP and tell me what documents you need?”

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?”

Delaware‑specific FAQ for 2025

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

My town doesn’t show a repair program. What now?
Call Town Hall or your County Community Development office and ask about owner‑occupied rehab. Smaller towns often use DSHA Small Cities CDBG. Also call Weatherization via DNREC’s WAP page and SERP via MHDC Home Repair.

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

Do I have to be behind on bills to qualify?
No. Programs look at income and repair need. For VA grants, the focus 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 longer during winter. Ask for the current estimate when you apply.

Can I choose my contractor?
Rules vary. Many programs use approved lists or bid rules. For VA, the agent will review bids before work starts.

Are there dollar caps on repairs?
Yes. USDA 504 caps are fixed. Counties and cities set local caps by program year. Always ask for the 2025 cap when you apply. SERP limits depend on the emergency and available funds.

What if my home has disaster damage?
Check USDA Rural Disaster Home Repair Grants. Also watch your county site for CDBG‑DR or state disaster updates posted after big storms.

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

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 site.
• Choose my main path: USDA / County‑City rehab / Weatherization / SERP / VA.
• Gather: ID, deed, income proof (2 months), tax bill, insurance, and repair photos.
• Get one 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 county/city rehab or SERP.

Contact directory (phones, addresses, and websites)

USDA Rural Development — Delaware/Maryland (Section 504 Home Repair)
– Program overview (DE/MD): Single Family Housing Repair Loans & Grants in Delaware, Maryland
– USDA Delaware State Office: USDA RD Delaware & Maryland (Dover address and phone)
– USDA eligibility: USDA Income & Property Eligibility
– General fact sheet: USDA 504 Home Repair Factsheet (PDF)

DNREC — Weatherization Assistance Program (WAP)
– Program & provider: Delaware Weatherization Assistance Program
– Program background: How Delaware’s WAP works
– DOE national steps: How to apply for weatherization

Delaware State Housing Authority (DSHA)
– Small Cities CDBG (admin & guidelines): FY2025 Delaware CDBG Guidelines (PDF)
– Emergency repairs (SERP): DSHA news on SERP
– Administrator: MHDC Home Repair

County & City program hubs
– New Castle County: Home Repair Programs
– Wilmington: Resources for homeowners
– Sussex County: CDBG Home Repair
– Dover: Emergency Repair & Rehab (via MHDC)

Spanish summary (resumen en español)

Programas clave en Delaware (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 (WAP del Estado): mejoras de energía sin costo a través de agencias contratadas por DNREC. Empiece en Programa de Climatización de Delaware.
– Reparaciones de emergencia (SERP – DSHA): reparaciones urgentes de calefacción, electricidad, plomería, techos y mejoras de accesibilidad. Vea SERP en DSHA y comuníquese con MHDC para solicitar.
– Veteranos (VA SAH/SHA/TRA): en 2025, hasta $121,812 (SAH) y $24,405 (SHA). Solicite en Subvenciones de vivienda del VA.
– Condados y ciudades: programas de reparación en New Castle, Wilmington, Sussex, Dover, y más (vea los enlaces en este documento).
Para más información en español, llame a su agencia local o a su oficina del condado/ciudad.

About this guide

Purpose. Help Delaware homeowners find verified home‑repair help in 2025.
Evidence. Links go to official sites: USDA, DOE, DNREC, DSHA, and county/city pages.
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.

This plain‑language guide is for Texas homeowners who need help fixing unsafe conditions—especially seniors, people with disabilities, rural homeowners, veterans, and families on tight budgets. It highlights the fastest, most reliable options and shows how to apply without getting lost in paperwork.

Last updated: December 2025
Checked against official sources as of December 2025. This is general information, not legal or financial advice, and we are not a government agency.

Who This Is For & Quick Eligibility Check

• Owners living in their Texas home (not a rental or vacation home).
• Low or moderate income compared with local “Area Median Income (AMI).” You can check your area using HUD’s income limits tool.
• Repairs address health, safety, or basic function (roof leaks, unsafe wiring, failing HVAC, accessibility ramps, septic/sewer issues).
• You are willing to provide ID, proof of ownership, income, and let an inspector visit your home.

Tip: If English is hard, call 2‑1‑1 Texas and ask for interpreter services. You can also request help from your local program’s staff—most have bilingual teams.

Top Programs in Texas (Quick Table)

Amounts above are examples only. Always confirm current caps and open/closed status on each program’s official page.

Short Federal Snapshot (with Texas links)

• USDA 504 In rural Texas, USDA’s repair program offers 1% loans (up to 20 years) and limited grants for seniors 62+. Texas specifics and contact info are on USDA’s Texas 504 page. For background, see this simple Section 504 guide (overview).
• WAP Weatherization in Texas is run by the Texas Department of Housing & Community Affairs (TDHCA). Start on the state’s WAP page, then apply through your local provider (listed via Help for Texans).
• FEMA After a declared disaster, apply for repairs and temporary housing using FEMA disaster assistance. Report your damage quickly through the state’s iSTAT survey to help Texas qualify for aid.

Texas Programs (Core Section)

1) Texas Weatherization Assistance (free energy/safety work)

Weatherization fixes drafty homes, unsafe heaters, and high bills. In Texas, TDHCA funds local agencies (covering all 254 counties) to install insulation, air sealing, duct work, and HVAC safety upgrades. Start at TDHCA’s WAP program page and find your local provider through Help for Texans.

Eligibility is generally at or below 200% of the poverty level. State updates note high demand and multi‑month waitlists; Travis County’s page shows a 9–12 month timeline is possible.

2) TDHCA Accessibility and Home Reconstruction (statewide, locally delivered)

• Amy Young Barrier Removal (AYBR) provides one‑time grants (up to ~$22,500) for accessibility and safety modifications—ramps, wider doors, grab bars. You apply through local administrators listed on TDHCA’s AYBR page.
• HOME Homeowner Reconstruction Assistance (HRA) funds local partners to reconstruct unsafe homes for households up to 80% AMI. Find an administrator via TDHCA’s HRA page (apply through local entities shown there).

Money is limited, and not all counties have active awards each year. TDHCA’s pages point you to current state contacts and local providers.

3) Utility and Delivery‑Company Programs (rebates/low‑income weatherization)

Several Texas utilities fund energy‑saving upgrades. In the Oncor service area (DFW and beyond), the Low‑Income Weatherization and Home Energy Efficiency offerings provide incentives (often routed through approved contractors). Availability can close when funds run out each year.

In the Houston area, CenterPoint’s residential efficiency programs offer free A/C tune‑ups and other energy‑saving services for eligible homes. San Antonio’s CPS Energy runs Casa Verde weatherization (now a rebate model with registered Trade Allies).

4) Disaster Repair, Rebuild, and Reimbursement

When storms or floods hit, apply first through FEMA’s assistance portal, and also report your damage via the state’s iSTAT system. For state‑managed long‑term funds (CDBG‑DR), check the Texas General Land Office’s homeowner assistance page and current 2024 disasters HAP / HRP notices.

Duplication of benefits: you cannot be paid twice for the same item of damage—this is required by federal law and FEMA rules. Keep receipts and use each grant only for the stated purpose.

City & County Programs (Examples)

Smaller cities often run CDBG/HOME “owner‑occupied rehab.” Call City Hall or use 2‑1‑1 Texas to find your local housing office.

Income Limits & Who Usually Qualifies

Programs use different cutoffs (50%, 60%, or 80% of AMI). Always confirm the exact limit on the official page or HUD’s income limits tool.

• Austin (80% MFI): City tables show a 4‑person limit of about $104,200 (example only—see ABR page or loan program for current values).
• San Antonio (80% AMI): City tables list a 4‑person limit of about $77,300 (see NHSD’s AMI table).
• Fort Worth (60% AMI): Priority Repair shows a 4‑person limit of about $64,020 (see program eligibility).

If you are slightly over the limit, look for alternative options (utility rebates, 0% city rehab loans, or USDA loans if you are rural).

Special Groups & Short Examples

Seniors (62+)

If you live in a rural area, start with USDA Section 504: 1% loans and—if 62+ and unable to repay a loan—small grants for hazards. See USDA’s Texas 504 page. In cities, look at San Antonio’s Under 1 Roof and Austin’s repair programs. For broader background, this seniors overview can help you compare options (seniors grants guide).

Example: A 70‑year‑old homeowner in rural East Texas with a leaking roof might combine a small USDA 504 grant with a low‑payment 1% loan to replace unsafe roofing.

Veterans

Disabled veterans may qualify for VA housing grants—SAH/SHA caps adjust yearly (for FY 2026, SAH up to $126,526; SHA up to $25,349). You apply using VA Form 26‑4555. Also ask local Habitat/Rebuilding Together affiliates about veteran repair slots. For an easy overview of veteran‑focused options, see this veterans programs guide.

Example: A veteran in Bexar County needing a ramp and bath remodel could look at VA SHA, the City’s Major Repair (if open), and Rebuilding Together Austin–San Antonio’s repair assistance.

Disabled homeowners

AYBR grants fund accessibility changes statewide through local partners—start on TDHCA’s AYBR page. In Austin, the ABR program offers up to $20,000 for ramps, accessible showers, and similar work.

Rural residents

Most rural areas qualify for USDA help. Confirm your address on USDA’s Texas Rural Development page and ask about Section 504. Rural homeowners can also get weatherization via Help for Texans.

Families with children

Weatherization programs prioritize households with children and high energy burdens. Apply via TDHCA’s WAP page and also ask your city about minor repair programs.

Step‑by‑Step Action Plan

Today (or as soon as you can)

1. Make a simple list of hazards (leaks, wiring, HVAC, soft floors). Take phone photos.
2. Find your likely path:
   • Rural & very‑low income → USDA 504 + WAP.
   • San Antonio → Under 1 Roof and NHSD rehab pages.
   • Houston → City’s Home Repair or GLO disaster programs.
   • Fort Worth → Priority Repair + WAP.
   • Austin → Home Repairs (GO REPAIR!, Minor, ABR) + WAP.
3. Call 2‑1‑1 Texas for local intake agencies and for help in your language.

This week

1. Gather documents: ID, proof of ownership (deed/tax bill), income (recent pay/benefit statements), mortgage and tax status, utility bill.
2. Start applications (don’t wait for estimates—programs usually send their own inspector).
3. If you had disaster damage, register with FEMA (FEMA page) and fill the state iSTAT survey.

This month

1. Follow up weekly by phone or email. Ask for your case number and expected next step.
2. Get on WAP and city repair waitlists early; Travis County notes 9–12 months is possible.
3. Price emergency stop‑gaps (tarping, space heaters) while you wait; ask your city or county about emergency repairs.

Plan B, Appeals, and Common Mistakes

If denied or funds are gone: ask for the decision letter and the reason in writing; request an appeal or re‑review; and ask when the next application window opens.

• Try nonprofits: Rebuilding Together Houston, Rebuilding Together North Texas, and Rebuilding Together Austin–San Antonio. Also check Habitat affiliates like Austin Habitat Repair and Dallas Habitat NeighborCare.
• Consider safe financing: Austin’s 0% rehab loans or USDA 504 loans (1%). Example: a $20,000 USDA 1% loan over 20 years is about $92/mo principal & interest.

Common mistakes (and quick fixes):

• Starting work before approval → wait for a written notice to proceed.
• Missing documents → use the checklist below; ask staff what’s still missing.
• Not answering calls/emails → add program numbers to your contacts.
• Unlicensed contractor → use approved lists (city/utility vendors) or get license proof.
• Title problems/heirs’ property → contact Texas Law Help or local legal aid before you apply.

Disaster overlap: if FEMA already paid for your roof, another program can only help with remaining unmet need—FEMA’s duplication rules (see IHP facts) prohibit paying twice for the same loss.

Phone Scripts (short and simple)

• WAP/LIHEAP agency: “Hi, I live in [county]. I’d like to apply for Weatherization. Can you tell me your intake steps and what documents you need? My phone is [number].”
• City/County rehab: “Hello, I’m a homeowner at [address]. I have [safety issue]. Are applications open? If not, how can I join the waitlist and get alerts?”
• USDA Rural Development (504): “Hi, I’m calling about Section 504 Home Repair. I’m [62+/under 62], income is about [amount], and my home is in [town/county]. Can I pre‑screen to see if I fit for a loan or grant?”
• Nonprofit (Habitat/Rebuilding Together): “Hello, I’m seeking critical home repairs. I’m [senior/veteran/disabled]. Can you tell me when applications open and what documents I should prepare?”

FAQs (Texas‑Specific)

Do Texas programs help mobile/manufactured homes?
Some do—often when the home is on a permanent foundation and you own the land. For example, Austin notes manufactured homes may qualify in certain cases on its Habitat repair page. Always confirm local rules.

What if I’m behind on taxes or my mortgage?
Many rehab programs require you to be current or on a payment plan. Ask your county tax office about payment options, and tell the program if you have a plan. If you’re 65+ or disabled, ask about property tax deferral options through your county and the Comptroller.

How long are waitlists?
It varies. TDHCA WAP can take months (Travis County shows 9–12 months). City programs open in short cycles—watch the city’s housing page or sign up for alerts.

Will they put a lien on my home?
Many city “grants” are forgivable/deferred loans recorded as liens for 5–15 years. If you sell or move before the term ends, you may owe some or all back. Houston’s page includes an About Liens document—read your agreement carefully.

Disaster help: can I get FEMA and state funds?
Yes, if they pay for different needs. You cannot get paid twice for the same work (see duplication rule). Keep receipts and use the funds as stated.

Where do I check income limits?
Use HUD’s Income Limits tool or your city’s repair page (e.g., San Antonio AMI).

Can renters get help?
Weatherization helps renters if the landlord signs off (see TDHCA WAP). For serious rental conditions, call city code and legal aid (see Texas Law Help).

One‑Page Checklist & Contact Summary

Quick Checklist

• List problems (safety first): roof leaks, electrical, HVAC, plumbing, accessibility.
• Check income against the HUD limits tool.
• Gather: photo ID, proof of ownership, income docs, tax/mortgage status, utility bill.
• Apply to 2–3 programs at once (city/county + WAP + USDA if rural).
• Track: program, contact, date, case number, next step.

Contacts (Bookmark these)

Resumen en español (corto)

Este guía es para dueños de casa en Texas con ingresos bajos o moderados—en especial personas mayores, con discapacidades, veteranos, familias y residentes rurales—que necesitan reparar su vivienda por razones de salud y seguridad.

Programas clave: En áreas rurales, pida el programa de reparaciones de USDA (Sección 504): préstamos al 1% (hasta 20 años) y, si tiene 62+ y no puede pagar un préstamo, pequeñas subvenciones. Vea la página de USDA Texas. Para reducir cuentas de energía y mejorar seguridad, solicite el Programa de Climatización (WAP) del estado en TDHCA WAP. Si sufrió daños por desastre, registre su solicitud con FEMA y reporte daños en el sistema estatal iSTAT.

Ciudades: San Antonio ofrece Under 1 Roof (techo nuevo reflectivo). Austin tiene programas de reparación (incluye accesibilidad). Fort Worth tiene Priority Repair para emergencias. Houston maneja reparaciones por la helada de 2021 en su página de Home Repair.

Paso a paso: Llame a 2‑1‑1 Texas para encontrar agencias locales y pedir intérprete. Reúna documentos (identificación, prueba de propiedad, ingresos). Aplique a 2–3 programas a la vez (ciudad/condado + WAP + USDA si es rural). Guarde recibos y cartas. Si le niegan, pida la razón por escrito y pregunte cuándo reabrirán solicitudes.

Reminder and Where to Double‑Check Information

• Verify income rules on HUD’s Income Limits tool.
• Rural repairs and grants: USDA’s Texas page for Section 504 and state contacts.
• Weatherization: TDHCA’s WAP overview and provider lookup via Help for Texans.
• Disaster: apply at FEMA’s assistance page and report damage with the Texas iSTAT tool.
• Need a referral or language help? Call 2‑1‑1 Texas (free, 24/7).

Rules and amounts can change during the year. Always confirm program status on the official page or with a trusted housing counselor. If you are unsure how a grant or loan affects your taxes or benefits, ask the agency or a tax professional.