Home Repair Grants in Utah (2026 Guide)

Last updated: July 27, 2026

Bottom Line: Utah has real home repair help, but no single grant covers every homeowner. Match the repair and address to the right office: weatherization for energy problems, a city or regional program for health and safety work, or USDA for an eligible rural home. Ask whether the help is a grant, deferred or forgivable loan, monthly-payment loan, utility benefit, or repair service.

Help is split among state programs, regional agencies, cities, federal offices, tribes, utilities, and nonprofits. Address matters: a city program may stop at the city boundary.

This guide explains programs, application steps, and backup options. For broader guidance, see where to start.

Where to Start in Utah

Start with the repair problem, then match the address. Heating, wiring, roof, plumbing, accessibility, and structural problems may go to different programs.

When you do not know which agency serves the address, contact 211 Utah. Dial 211 or 888-826-9790. From a mobile phone, you can text your ZIP code to 801-845-2211. Ask specifically for owner-occupied home repair, weatherization, accessibility, senior repair, rural rehabilitation, and nonprofit repair programs.

Quick Program Comparison

Statewide and Rural Utah Options

Utah Weatherization Assistance Program

The Weatherization Assistance Program is the closest Utah has to a statewide home improvement service. It is a noncash grant and direct repair service, not money handed to the homeowner. Approved work may include an energy audit, air sealing, insulation, ventilation, and health or safety measures tied to energy use. Local agencies may also repair or replace heating equipment when the assessment and program rules support it.

• Income: Utah says a household may qualify at or below 200% of the federal poverty level or when the household currently receives HEAT.
• Homeowner cost: Utah says there is no cost to an eligible homeowner. A landlord may have to contribute for a rental property.
• How to apply: Apply through the agency serving your county. Utah lists county service areas on its weatherization application page.
• Reality check: Applications are prioritized and placed on a waiting list. Weatherization is not a general remodeling program and may not repair a roof or foundation unless the work is necessary for approved energy measures.

For more background on what this program normally does, see our weatherization guide.

HEAT utility and crisis help

Utah’s Home Energy Assistance Target program, called HEAT, is a utility benefit, not a general repair grant. It may help with a shutoff crisis and can refer eligible households to weatherization.

Utah lists income at or below 150% of the federal poverty level, responsibility for energy costs, an adult household member, and at least one U.S. citizen or qualified non-citizen. HEAT runs October 1 through September 30, or until funds run out. Priority processing begins October 1 for households with a person age 60+, a disabled member, or a child under 6; general processing begins November 1.

Find the correct intake office on Utah’s HEAT office list. Ask about crisis help when shutoff is near. An award may not pay the full balance.

Utah Rural Rehabilitation Programs

The Utah Olene Walker Housing Loan Fund lists two important rural paths. The Rural Single Family Housing Rehabilitation Assistance Grant provides forgivable grants for rehabilitation of owner-occupied rural homes with household income at or below 80% of county area median income. The related Single Family Rehabilitation and Reconstruction Program provides financial help for low-income rural homeowners whose homes need rehabilitation or replacement.

Homeowners do not apply to one statewide online portal for every county. Utah routes work through regional agencies. The state page does not publish one universal homeowner award amount, forgiveness period, or lien rule for every project. Call the regional provider and ask whether current funding is a grant, forgivable grant, deferred loan, low-interest loan, or a combination. State program questions can be directed to 435-421-2675.

USDA Section 504 for Rural Homeowners

USDA’s Single Family Housing Repair Loans and Grants program, usually called Section 504, is one of the clearest repair programs for very-low-income rural owners. Our Section 504 guide explains the full application path.

• Loan: Up to $40,000, fixed at 1% interest, with a term of up to 20 years.
• Grant: Up to $10,000 lifetime for an eligible homeowner age 62 or older who cannot repay a loan. The grant must be used to remove health and safety hazards.
• Combined help: Up to $50,000 under the regular program.
• Disaster exception: USDA lists a grant maximum of $15,000 and combined help up to $55,000 for qualifying repairs in a presidentially declared disaster area.
• Repayment warning: A grant must be repaid if the property is sold within three years.

Applicants must own and occupy the home, be unable to obtain affordable credit elsewhere, meet USDA’s county very-low-income limit, and have a home in an eligible rural area. USDA accepts applications through local Rural Development offices year-round, but approval time depends on funding. The Utah Rural Development office lists Single Family Housing Programs at 385-285-7012 and the state office at 801-524-4320.

City and Regional Programs

Local programs are often funded through the Community Development Block Grant or other housing funds. They may be called emergency repair, owner-occupied rehabilitation, critical repair, or housing rehabilitation. Our local rehab guide explains why terms differ by city.

Salt Lake City

Salt Lake City’s Fix Your Home programs include free minor repairs for a lower-income household with a person age 62+ or disabled, plus no- or low-interest funding up to $50,000 for larger health, safety, structural, lead, or radon work.

The city uses 80% of area median income. Its posted 2026 limits are $70,650 for one person, $80,750 for two, $90,850 for three, and $100,900 for four. See the city’s 2026 income page for larger households. Apply online or call 801-535-7233 for help.

Orem, Provo, and Ogden

Orem’s Critical Home Repair program offers grants and/or loans up to $15,000, subject to funds, for urgent health, safety, sanitation, roof, electrical, plumbing, window, or accessibility work. It does not reimburse completed work. Call 801-372-9298.

Provo’s Emergency Home Repair Grant is accepting applications for grants up to $15,000. It serves qualifying owners age 60+, Social Security Disability recipients, and active-duty households. From June 1, 2026, limits are $66,750 for one person, $76,300 for two, $85,850 for three, and $95,350 for four. Staff inspect the repair before the homeowner gathers at least three bids.

Provo’s egress window program is a 0% deferred loan that may be forgiven over time. Early sale or move-out can trigger repayment and a penalty.

Ogden’s Emergency Home Repair Program provides loans up to $5,000. At or below 50% AMI, terms are 0% interest, deferred, and due on sale. Its 2026 limits are $41,300 for one person, $47,200 for two, $53,100 for three, and $58,950 for four. Roof work generally requires catastrophic damage within the cap.

Ogden’s broader Home Exterior Loan Program is a monthly-payment loan, not a grant. The city lists 4% interest, up to 10 years, and a $50 minimum payment; the amount depends on funding, work, equity, and repayment ability.

MAG and SERDA regional help

The MAG home repair program serves Summit, Wasatch, Tooele, and rural Utah County. Eligible work includes roofs, plumbing, HVAC, electrical, windows, safety hazards, overcrowding, and accessibility. Applicants must own and occupy the land and home, be below 80% of county AMI, carry insurance, and be current on taxes. Call 801-229-3847.

SERDA rehabilitation serves Carbon, Emery, Grand, and San Juan counties with grants and low-interest loans for health and safety work. Cosmetic upgrades and appliances are excluded. Call 435-637-5444.

Seniors, Disability, Tribal, and Nonprofit Help

Age or disability can open a special program track, but it does not automatically make every repair free. Salt Lake City’s minor program, Provo’s emergency grant, USDA’s grant track, weatherization priorities, and some nonprofit programs use age or disability rules. Our guides to senior repair help and disability modifications explain other paths.

Utah’s Area Agencies on Aging are not one statewide repair fund. They can help older adults and caregivers find local safety, accessibility, fall-prevention, caregiver, and home-based services. Ask whether the county has a minor repair, ramp, volunteer, or aging-in-place partner.

For eligible tribal households, the Bureau of Indian Affairs Housing Improvement Program is a grant program for repair, renovation, replacement, or housing needs. It is not an entitlement. General eligibility includes membership in a federally recognized tribe, living in an approved tribal service area, income at or below 150% of federal poverty guidelines, substandard housing, and no other housing resource. Apply through the tribal housing or servicing office, which can confirm current funding and local priority rules.

Habitat for Humanity Greater Salt Lake Area has a Critical Home Repair program for Salt Lake, Davis, and Tooele counties. It lists grants up to $20,000 for eligible critical repairs. If the project costs more, Habitat may use a 0% deferred loan with no monthly payments, due when ownership changes. The home must be on a permanent foundation, and income and owner-occupancy rules apply. Call 801-263-0136, extension 211. Other Utah Habitat affiliates may use different terms, so review our Habitat repair guide before applying.

Documents to Gather

Make one application folder. Our document checklist covers difficult title and income situations.

If a deed lists a deceased spouse, trust, life estate, or several heirs, tell the program first. Work may wait until title is clear.

How to Apply Without Losing Time

For a deeper walk-through, use our home repair application guide.

Delays, Denials, and Backup Plans

Ask for the exact denial reason in writing. Then change paths based on that reason. If city boundaries caused the denial, try the regional agency or USDA. If a loan was denied because of repayment ability, ask whether a grant, forgivable grant, deferred loan, nonprofit repair, or smaller emergency scope is available. If the program is out of money, ask for the next funding date and whether a waitlist exists.

For a leaking roof, also review roof repair assistance. For small jobs that public programs will not cover, local churches, civic groups, and volunteer teams may help; see volunteer repair options. These groups usually cannot handle major structural, licensed electrical, or full roof work without professional partners.

Contractor and Financing Warnings

• Verify a contractor through Utah’s Construction Business Registry and license tools.
• Do not sign a home equity loan, reverse mortgage, PACE-style assessment, or contractor financing before comparing the full cost and lien risk.
• Never let a contractor pressure you to say damage came from a disaster when it did not.
• Ask whether the program pays the contractor directly. Do not assume you will be reimbursed later.
• Get the scope, materials, permit responsibility, payment schedule, and warranty in writing.
• Do not pay the full price before work is complete and inspected.

A simple Utah action plan