Ohio is a home of three incredible cities, some of the most enchanting parks in the U.S., and the craziest sports fan you can find in the world. Moving to Ohio is the best decision you can make. Do you know why? The greatest strength of this amazing state is the fact that it is one inexpensive state to live in. Its largest cities; Columbus, Cleveland, and Cincinnati have the most affordable cost of living compared to other cities in the Midwestern region, including Chicago. Becoming a homeowner is very possible. You don’t have to use too much money to own a nice home. Besides, the State provides home repair assistance to help homeowners fix health and safety problems in their homes. This article discusses the home repair grants in Ohio. Happy reading.
Single-Family Housing Repair Loans & Grants in Ohio
This program is offered by the USDA’s Rural Development. Its purpose is to provide financial support to low-income homeowners to enable them to maintain a good housing conditions. You may qualify for loans of up to $20,000 to help with home repair, improvement, and modernization. Grants of up to $7,500 to elderly homeowners to help them remove safety and health hazards. The program provides loans at 1% and families qualifying for them have up to 20 years. You have to own and occupy the house, met low-income limits, be unable to afford available credit options, and be 62 years and above for grant application. Senior homeowners must repay the grant funds if they sell, transfer ownership, or cease to occupy the house. Families can qualify for a combination of grants and loans ($27,500 assistance). To see if your home address is eligible for assistance, click here. Local Rural Development Offices accept the program applications. The approval for program assistance depends upon funds availability. Kindly reach out to a USDA loan specialist in your location to help you navigate through the application process. Find out more at https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/oh.
Mid-Ohio Regional Planning Commission (MORPC)
MORPC provides home improvement assistance to low-income homeowners to enable them to maintain their properties. MORPC receives funding from multiple agencies to provide programs to help improve the functionality of homes and help low-income homeowners improve their safety. Eligibility requirements include income, homeownership, and residential areas. Single mothers, veterans, disabled, and elderly homeowners may qualify for the programs’ assistance. Find out more at https://www.morpc.org/program-service/home-repair-services/.
Specially Adaptive Housing Grants
This program provides home repair assistance to veterans who need to make accessibility enhancements in their homes because of disability obtained in the course of duty. The grants will cover the costs associated with making your home more accessible. You can use the funds to install rails or ramps to avoid accidents and ensure your safety at home. Read more at http://benefits.va.gov/HOMELOANS//adaptedhousing.asp?expandable=0.
Rebuilding Together provides free emergency home improvement and modification assistance to low-income homeowners. Services are prioritized to the elderly, veterans, disabled, and single mom-homeowners. To be eligible for assistance, you must have lived in your home for at least three years. Some of the eligible home repair services include replacing dangerous steps, fixing faulty wiring, installing grab bars, adding handrails. The goal is to improve the safety and health of low-income homeowners in Ohio. Find out more at http://www.rtcentralohio.org/assistance/.
WSOS Community Action
The WSOS Community Action serves homeowners living in Allen County. You can make the necessary home improvements and upgrades through this agency. Eligible home repairs include plumbing, water tanks, roofing, electrical systems, and furnaces. You must earn not more than 80% of your area median income to qualify for home repair support. Learn more at http://www.wsos.org/program_details.php?id=73.
Cleveland Community Development Agency
There are several home repair options you can choose from. The Cleveland Community Development Agency offers several programs for home repair, including the Senior Homeowner Assistance Program (SHARP). This one is designed to support senior homeowners aged 62 and older or the disabled elderly homeowners. The Repair-A-Home program, Neighborhood Historic Preservation and Heritage Homes program, and Housing Enhancement Loan program provide low-cost loans to assist with home repairs. Homeowners may also qualify for lead hazard control and weatherization support. Learn more at http://www.city.cleveland.oh.us/CityofCleveland/Home/Government/CityAgencies/CommunityDevelopment/DivisionofNeighborhoodServices#shap.
Low-Interest Rate Home Repair Loan
This program provides loans with interest rates as low as 2.5% to homeowners in need to make some repairs at home. The loan funds are used to finance home improvement services, including plumbing, flooring, roofing, repair or replacement of windows and doors, electrical work, among others. Single mothers, veterans, the disabled, and senior homeowners can apply for the program support. Find out more at http://www.nhscleveland.org/fix-my-home/home-repair-loan-program.
People Working Cooperative
The People Working Cooperative allows homeowners to work together in building the neighborhoods. Through the collective work, you may have your home repair work done by members of the cooperative. You can also qualify for loans to help fund your home improvement projects. The Cooperative serves residents of Cincinnati. Visit http://www.pwchomerepairs.org/ for more information about the cooperative.