Making updates or home repairs can be hard when you don’t have much income. But you don’t have to worry if you are living in Virginia. There are home repair grants to help you meet your home improvement needs. Keep reading this article.
Single-Family Housing Repair Loans & Grants in Virginia
The purpose of this program is to offer financial support to enable rural-based low-income homeowners to make the necessary improvements to their homes. the program offers up to $20,000 loans for home repair, modernization, and improvement. The loans are given at a 1% interest rate and are payable over 20 years. The program provides up to $7,500 grants to low-income senior homeowners to enable them to remove health and safety hazards from their homes. These grants are not repaid unless the qualifying homeowner sell, transfer, or ceases to occupy the property within three years of receiving the funds. To qualify for the program support, you must be the homeowner and uses the property as your primary residence. You must have a family income below 50% of the area’s median income. Prove that you are unable to obtain affordable credit anywhere else and be aged 62 and above for grants approval. See if your home address is eligible for assistance here. applications are accepted year-round through your local Rural Development Office. Approval for assistance depends on the availability of funds. Get in touch with a USDA home loan specialist in your location to help you navigate through the application process. Read more at https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/va.
Emergency Home and Accessibility Repair Program (EHARP)
EHARP offers funds to low-income single mothers, veterans, seniors, and elderly homeowners to help them remove safety and health hazards from their homes. The program also solves issues related to physical accessibility barriers to low-income residents. Funding is not directly given to homeowners. The program funds local administrators to do the home repair work for qualified low-income homeowners. The eligible home repair activities include structural, plumbing, roofing, electrical work, and accessibility medications. Find out more at https://www.dhcd.virginia.gov/eharp.
Community Development Block Grants (CDBG)
Community Development Block Grants are competitive grants given to localities to enable them to meet their residents’ community and economic development needs. The Virginia Department of Housing and Community Development (DHCD) provides planning grants through the CDBG program. These grants are given to local government units to enable them to repair their homes. Find out more at https://www.dhcd.virginia.gov/cdbg-housing-rehabilitation.
Indoor Plumbing Rehabilitation Program (IPR)
IPR is a loan program dedicated to offering financial assistance through forgivable loans to low-income homeowners. To qualify for the program assistance, you have to meet the low- or moderate-income limits, plumbing needs, and provide proof of land and homeownership. Eligible home repairs include indoor plumbing, failed septic system, water systems, accessibility improvements, among others. The DHCD works closely with regional administrators who administer the program. the regional administrators are in charge of the program operations, including, determination of eligibility, application intake. Outreach, and construction management. Single moms, seniors, veterans, and people with disabilities are given priority during the program approval. Learn more about the program at https://www.dhcd.virginia.gov/ipr.
Lead Hazard Reduction (LHR) Program
The purpose of this program is to provide financing to non-profits who conduct lead abatement activities across Virginia State. The program is funded by the U.S. Department of Housing and Urban Development (HUD). It is a new DHCD program committed to removing lead-related hazards from low-income homeowner’s properties. Visit https://www.dhcd.virginia.gov/lhr for more details.
The Appalachia Service Project
This program offers home improvement assistance to low-income homeowners. You may have access to plumbing, roofing, electrical work, accessibility improvements, among others. The program’s home improvement services are available to homeowners in Bristol County. Find out more at https://www.asphome.org/Display.asp?Page=HomeRepair.
The Appalachian Community Action and Development Agency
You may qualify for emergency home repair if you meet the low-income limits in your area. The program provides indoor plumbing to qualified homeowners living in Lee County. Single moms, people with disabilities, veterans, and elderly low-income homeowners can apply for the program assistance. Visit https://appcaa.org/programs/housing-community-solutions/ for more information.
The Neighborhood Repair and Rehabilitation Program
You may be able to make upgrades to your home using the Neighborhood Repair and Rehabilitation program. Apply for the program assistance and make your home safer and comfortable for your loved ones. Living in Prince William? Well, visit http://www.pwcgov.org/government/dept/housing/Pages/Neighborhood-Rehabilitation-Program.aspx and fix your home.
You may apply for home improvement assistance through Rebuilding Together. Rebuilding offers home repair services through volunteers. You can make your home safe and livable for your family. Learn more about Rebuilding Together at http://rebuildingtogetherrichmond.org/.
You may make use of this program if your home is not energy efficient. This program can install energy-efficient appliances and offer new heating and cooling systems. You may also have access to insulation and flooring in your home. Read more about the program at http://www.dhcd.virginia.gov/index.php/housing-programs-and-assistance/73-weatherization.html.