Home Repair Grants in South Dakota
Is your home unsafe or unsanitary for your loved ones? Wondering how you will fund your home improvement projects? Worry no more. South Dakota is comprised of programs to help you fix your problems. Check them out!
Community Home Improvement Program (CHIP)
CHIP provides home repair loans at low-interest rates to help with home repairs in single-family homes in South Dakota. Income limits include up to $90,600 and $105,700 for households with 2 members and those with 3 or more, respectively. The loans are given at a 2.9% interest rate. The loans have a monthly repayment schedule. The loan terms and amount are determined individually, based on income and the size of the household, among other factors. The program does not require loan-to-value or any minimum costs to obtain a CHIP loan. Examples of eligible home repairs and improvements include siding, alterations, foundations, kitchen cabinets plastering, termite control, heating, decks, wiring, accessibility improvements, plumbing, air conditioning, driveways, insulation, garage/room auditions, among others. Repairs that have to do with swimming pools, hot tubs, patios, furniture, appliances, sprinkler systems, and landscaping are not eligible. Note that the South Dakota Housing Development Authority (SDHDA) administers this program. To apply for the program support, be sure to contact one of the SDHDA’s CHIP participating, lenders. Find out more at https://www.sdhda.org/homeownership/home-improvement.
South Dakota’s Weatherization Program
The weatherization assistance helps low-income homeowners improve the energy efficiency of their homes. There are home repairs, including insulation, sealing, caulking, repair, or replacement of heating/cooling systems. You may have access to other energy efficiency-related repairs to fix your home. Find out more at https://dss.sd.gov/economicassistance/energyassistance/weatherization.aspx.
Habitat for Humanity
Habitat for Humanity doesn’t just build new homes for those in need of them. They also help with home improvement projects. To qualify for home repair grants, you must be willing to put some sweat equity into your home and meet income limits. There is a waiting list you will be placed on if you are approved for the home repair program assistance. The Habitat has a ReStore where you can source free building materials if you don’t qualify for home repair assistance. Read more at https://www.siouxfallshabitat.org/.
The Independent Living Center
This is a program in South Dakota that helps seniors or the disabled correct unhealthy and unsafe conditions in their homes. The program considers low-income homeowners living in South Dakota for assistance. Learn more about the program at http://www.virtualcil.net/cils/query-iandr.php?state=sd.
Veteran Affairs
If you are a veteran or a disabled one, you may have access to home repair assistance through South Dakota VA. Disabled veterans may have their homes more accessible by installing ramps, rails, larger bathrooms, among others. You may qualify for a higher amount of assistance if your home repair needs are necessary for your health and safety. Learn more at https://www.benefits.va.gov/homeloans/contact_rlc_info.asp.
Wagner’s Community Assistance Program
You may qualify for home repair assistance through Wagner’s Community Assistance Program. The program comprises home repair options that can help you save money or your home improvements and make it easier for you to fix your problems. You must meet the low-income limits in your area and be a resident of Wagner to qualify for the program’s support. For more details, please visit https://dss.sd.gov/economicassistance/communityassistance/rural.aspx#mypanel.
Sioux Falls Rehabilitation Program
The Sioux Falls Rehabilitation Program provides financial assistance to help low-income homeowners with home repairs. You may qualify for improvements that enhance your home safety or redesign your home to meet modern housing standards. Single moms, disabled, veterans and senior homeowners may apply and get approved for the rehabilitation program. Read more at http://www.siouxfalls.org/planning-dev/planning/affordable-housing/single-family-rehab.
Sisseton’s GROW Program
You may get home repair assistance through the GROW program. GROW program assists low-income homeowners with home repairs to improve their living conditions. Find more at https://www.growsd.org/.
Yankton Planning and Development Assistance Program
You may qualify for deferred loans that you don’t have to repay until you sell your home. This program ensures that live in a safe home and that your loved ones are protected against health-related hazards. You can also qualify for home repair grants, depending on your level of need. You must meet the low-income requirements and residency to qualify for the program support. Single mothers, veterans, disabled, and elderly homeowners can apply for home repair assistance. Find out more at http://www.districtiii.org/.
Single-Family Housing Repair Loans & Grants in South Dakota
The USDA Rural Development provides this program to low-income families living in the rural areas of South Dakota. The program provides financial support in form of loans and grants to families to help with home improvement projects. Grants of up to $7,500 are given to the elderly homeowners to enable them to remove the health and safety hazards from their homes. You must be aged 62 or older to qualify for this grant. The grant is not repaid unless the homeowner changes the ownership or ceases to occupy the property within three years or receiving the funds. The maximum amount of loan a family may receive is $20,000. The funds are meant for home repair and improvement or modernization. For more details visit https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/sd.