As a homeowner, you will have some home repair projects to accomplish. You can get your needs met by making use of the following home repair grants in Mississippi. Keep reading.
The USDA Grants and Loans for Home Repair
If you live in rural areas and need home improvement assistance, you may want to start your search with USDA loans and grants. Through its Section 504 program, the USDA Rural Development provides financial assistance to low-income families in rural areas through loans and grants to enable them to make the necessary home improvements. Up to $20,000 1% interest loans are given to qualified families to help with home repair, improvement, and modernization. You must be the homeowner and occupy the house. Meet the low-income requirements and be unable to acquire credit from any other sources. Grants of up to $7,500 are given to senior homeowners aged 62 and above and they can use the funds to remove health and safety hazards from their homes. These grants are not repaid unless the homeowners resell or cease to occupy the property. Families qualifying for loans have up to 20 years to repay the funds. You can apply for the program support if you are a low-income single mom veteran, senior, or disabled homeowner. Read more at https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/ms.
Housing Rehabilitation Program
The Housing Rehabilitation Program provides home improvement assistance to property owners in the City of Jackson. The U.S. Department of Housing and Urban Development (HUD) funds this program, while the City of Jackson’s Office of Housing and Community Development (OHD) administers it. The program funds are designed to finance the development and community revitalization projects. To qualify, you must have an income not exceeding 80% of the area’s median income. You must have occupied your home for at least a year. The program gives priority to homeowners who have not qualified for another home repair/rehabilitation assistance program. The purpose of this program is to improve the homes’ livability. The goal is to extend the homes’ lives for at least 10 years and meet the building codes at a minimum. The program emphasizes home repair needs that threaten the health and safety of residents, including gas leaks, hazardous electrical wiring, and plumbing. The program will inspect and evaluate the condition of your home to determine the amount of home repair assistance you need. Assistance, therefore, varies depending on the level of need. You may not qualify for the program support if you have too many major problems that urgently need fixing. Apart from improving safety and health, the program strives to benefit low-income and disabled residents. The program also addresses the energy-efficiency needs and works to improve the neighborhood to achieve long-term stability. Eligible repairs include plumbing, sewer, and flooring. Find out more at https://www.jacksonms.gov/housing-rehabilitation-program/.
Mississippi Development Authority
You may ensure the success of your home repair project through the Mississippi Development Authority. The authority provides financing to homeowners with emergency home improvements needs. You may qualify for low-interest loans to improve the condition of your home through this program. Read more at https://www.mississippi.org/?id=2.
The Habitat for Humanity
The Habitat for Humanity does not provide free money for home repairs. You can however have access to the support you need to fix your home if it is in despair. You can get help with emergency repairs through this program. Even if you don’t qualify for the program support, you can still have access to free building materials through Habitat’s ReStore. Find out more at https://www.habitat.org/us-ms/jackson/mississippi-capital-area-hfh.
The Community Development Block Grant
You may have your home repair needs to be met through the community Development, Block Grant. The program aims to meet the community and economic development needs of homeowners. The program addresses the home repair needs of homeowners through non-profits and units of local governments. The senior, disabled, single mothers and veteran homeowners in Biloxi and Gulfport can qualify for this program. Residents of Gulfport can qualify for up to $20,000 funds to improve the condition of their homes. Note that not everyone will qualify for the maximum amount of support. Visit http://www.gulfport-ms.gov/planning.shtml to apply. If you live in Biloxi, you may apply here. Jackson homeowners can also have access to the CDBG. Visit http://www.jacksonms.gov/documentcenter/view/1822 save your home and improve it to code.
Weatherization Assistance Program
The weatherization assistance program is designed to help low-income homeowners meet their home improvement needs. If you are looking for help to improve the energy efficiency at your home, then you may consider applying for weatherization assistance. You may have assistance with flooring, insulation, and HVAC system updates. Read more at http://www.mdhs.ms.gov/community-services/weatherization-assistance/.
SNAP Home Repair Grants
The Special Needs Assistance Program has grants to help low-income homeowners with special needs carry out home repairs and modifications. Financial assistance is available to both disabled and elderly homeowners. Please note that the program does not assist homeowners who do not meet the disability and low-income guidelines at one. Read more about the program at https://www.prnewswire.com/news-releases/snap-grant-funds-mississippi-residents-home-repairs-300133225.html.