Home Repair Grants in Texas (2026 Guide)

Last updated: October 12, 2026

A roof leak or bad wiring may need one program. A broken air conditioner or unsafe bath may need another.

Some aid is a grant or a service. Other aid is a loan or help with past costs. This guide shows the first steps and the limits that can stop a claim.

For the basics, read our home repair assistance guide.

Texas Repair Help at a Glance

Find the Office That Serves Your Home

Write down your ZIP code, county, and whether the home sits inside city limits. A city mailing address does not mean the home is within city limits. Some county programs also leave out large cities.

If one office says no, do not stop there. Our local program search guide shows other places to ask.

Amy Young Barrier Removal: How to Find an Administrator

The Texas Department of Housing and Community Affairs (TDHCA) runs the Amy Young Barrier Removal Program. It helps people with disabilities use their homes more safely.

It offers a one-time grant of up to $22,500. It is not a personal loan. It is not an open cash check.

Work can include ramps, handrails, wider doors, lower counters, and safer bathrooms. Some safety fixes may also be allowed. Most of the project must address access needs. It is not a general roof or whole-house repair grant.

Who may qualify? At least one person in the home must have a disability. Income must meet the program’s low-income test. The limit depends on area or state income rules.

Homeowners and some renters may qualify. Rules also cover assets, home safety, and proof of disability. A local provider must check your full case.

The state Housing Trust Fund rules cap counted liquid assets at $25,000. Some retirement funds do not count. Do not assume your home value is the same as cash savings. Ask the administrator what records to bring and which items count.

Find a local Amy Young provider

1. Open the state Help for Texans finder linked at the top of this guide.
2. Choose “Home Repair / Accessibility Modifications.”
3. Check “Show only Home Modification for Accessibility providers.”
4. Enter your city or county. Call the providers shown.
5. Ask: “Do you run Amy Young now? Do you cover my address? Do you have funds, a waitlist, or a new intake date?”

Local nonprofits and local governments process the household files. TDHCA gives funds to approved administrators through a reservation system. Its administrator funding page is for these groups, not a direct homeowner application.

Texas made funding available for this program in 2026. But an approved local group may have no money left for new jobs.

If you cannot find a provider, call TDHCA at 1-800-525-0657 or email HTF@tdhca.texas.gov. Ask for the current administrator for your county. The state can give program information; it does not promise a local opening.

A real local provider example

Galilee Community Development Corporation is in the San Angelo area. Its page lists Amy Young ramps, doors, and bathroom work.

It lists 325-655-6700 for questions. Its page mentions applications and a long wait. That notice has no clear date. Call to check its current area, funding, and intake before sending papers.

Other State and Rural Repair Programs

Texas weatherization

The Weatherization Assistance Program sends approved crews to do energy-saving work. This may include air sealing and insulation. Duct, heat, or cooling work may also qualify after an energy check. It is a service, not a cash grant for a new roof.

Local agencies cover all 254 counties. The 2026 state income guidelines show a 150% federal poverty limit for one funding source and 200% for another. For two people, the yearly limits are $32,460 and $43,280.

The local agency will check which limit applies. Ask about wait time and any needed safety work.

USDA Section 504 in rural Texas

The USDA Texas Section 504 program takes applications year-round. It serves eligible rural homeowners with low incomes who cannot get fair credit elsewhere. USDA must check your exact address.

Loans can reach $40,000. They have 1% fixed interest for 20 years. Grants of up to $10,000 are for owners age 62 or older with very low incomes. These owners must be unable to repay a loan.

A grant must be repaid if you sell within three years. Loans leave you with a debt. The normal total limit is $50,000.

Ask the local USDA office to screen you for a loan, a grant, or both. Use our rural repair options guide for more routes.

Home rebuilding and colonia help

Some homes are too far gone to fix. TDHCA’s Homeowner Reconstruction Assistance program may help a qualified owner rebuild.

Some manufactured-home replacement and floodplain moves may qualify. Income is generally capped at 80% of area median income. The work goes through a local administrator, and service areas are limited.

In parts of south and west Texas, Colonia Self-Help Centers may offer repair, rebuilding, title, and housing guidance. The centers serve only named colonias. The counties include Cameron/Willacy, El Paso, Hidalgo, Maverick, Nueces, Starr, Val Verde, and Webb. Call your county’s center to check its exact area and current work.

Texas Disaster Repair and Reimbursement

The Texas General Land Office (GLO) gave an update on September 30, 2026. Its 2024 home repair programs were still open in 27 counties. Funds were limited.

They are for covered 2024 storm damage, not routine wear. The state programs exclude Houston and Harris County. Those areas have their own recovery funds.

The covered counties are Anderson, Bell, Brazoria, Caldwell, Cooke, Dallas, Denton, Fort Bend, Galveston, Guadalupe, Hardin, Hays, Henderson, Hockley, Jasper, Kaufman, Liberty, Matagorda, Montgomery, Newton, Polk, San Jacinto, Smith, Trinity, Tyler, Walker, and Wharton.

The 2024 Homeowner Assistance Program can repair or rebuild a main home. Work is managed by the program, not paid as an open cash check. The applicant must show disaster damage, ownership, and other records. Some awards use a forgivable note and a three-year stay-in-home rule.

The 2024 Homeowner Reimbursement Program helps pay back eligible repair costs already paid. A site-built home may get $3,000 to $75,000. The cap is $50,000 for a manufactured home.

It is not an advance for work you plan to do. A one-year stay-in-home rule may apply.

A household cannot use both state paths. Ask GLO to check your county and storm claim. Call 1-844-893-8937. Save FEMA letters and proof of past payments.

Never claim the same cost twice. These programs also check past aid from other sources.

City and County Programs: October 2026 Checks

Local office rules and intake dates change. The right answer depends on your address. It may also change from week to week.

Ask your local housing office about Community Development Block Grant or HOME funds too. They often pay for work through city or county programs, not by sending cash to homeowners. See our local CDBG and HOME guide.

How to Apply Without Losing Time

Other needs: Seniors can ask an Area Agency on Aging about local repairs. Veterans can ask a county veterans service officer about federal access benefits. For roofs, ask if leaks pose a health or safety risk. See our roof repair help guide.

For septic or well damage, ask your county for help. Ask which housing or water office serves you. Do not assume every program pays for that work.

Start with the program’s intake worker. Ask for a full checklist before you pay for bids, surveys, or tests. Reviews take time. Staff must check the home and its records.

• Photo ID, address, and proof the home is your main home
• Deed, mortgage papers, or manufactured-home title if you own it
• Income proof for the people the program counts
• Tax, lien, and insurance records when required
• Photos, repair list, safety notices, and past estimates
• Disability proof or landlord consent for access work, if asked
• Storm, insurance, FEMA, and paid repair records for disaster help

Our repair application document checklist can help you prepare. Is the deed in a late parent’s name? Tell the office at once. Title problems can delay aid even when the repair need is real.

After intake, staff may check income, home condition, bids, permits, and safety risks. An inspector may find more work than the program can pay for. Staff may pick an approved contractor.

Do not start a major job yet. Wait for written approval unless there is a safety crisis.

If Funding Is Closed, You Are Denied, or the Repair Costs More

A closed program is not the same as a denial. Ask if the program will reopen. Ask about waitlists and other offices in your county.

Ask for the rule in writing if the office says you do not qualify. Keep the name and date of each call.

Common blocks include high income, poor title records, and unpaid taxes. Others include city limits, cosmetic work, or repairs started too soon. For next steps, use our repair denial help guide.

If a grant cannot pay for the job, ask about small safety repairs. A weatherization visit may fix an air leak. It will not rebuild a bad roof.

A USDA loan may help a rural owner, but it must be paid back. A local loan may have a lien or a rule to stay in the home. A rebate pays only when its rules are met; it is not a grant.

Common Questions