Maintaining your home is vital once you become a homeowner. Funding home repairs from your pockets can be hard if you are a low-income homeowner. You can, however, make your home safer and livable by using the WV home repair grants. Keep reading this article for details.
Single-Family Housing Repair Loans & Grants in West Virginia
This program is also known as the Section 504 Home Repair program. The program provides financial assistance to low-income rural-based homeowners to help them fix their home problems. Families may qualify for up to $20,000 loans for home repair, improvement, or modernization. The loans funds are given at a 1% interest rate and are repayable over 20 years. Senior homeowners may qualify for free grants of up to $7,500. The grants are not repaid unless the homeowner ceases to occupy the property within three years of receiving the funds. Seniors qualifying for grants may use them to remove safety and health hazards from their homes. To qualify for the program assistance, ensure you are the homeowner and you use the property as your primary residence. You must demonstrate an inability to obtain affordable credit anywhere else and meet the income eligibility requirements (have not more than 50% of the area median income). Only seniors aged 62 years or older can have access to home repair grants. Check if your rural home address is eligible for the program assistance. Want to apply? Well, you have to submit your application through the local Rural Development Office. The program assistance approval depends on the availability of funds. You can reach out to a local USDA Loan Specialist to help you get through the program application process. Read more at https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/wv.
American Electric Power Foundation Grants
This is a national organization committed to supporting non-profits in proving housing services, including home repairs that improve the safety and health of residents. The organization operates in West Virginia to ensure low-income homeowners have access to home improvement grants to fix their homes. Read more at https://www.ruralhealthinfo.org/funding/3644.
West Virginia Rural Health Infrastructure Loan Fund
The Rural Health Infrastructure Loan Fund provides financing for construction, renovation, and home improvement services in West Virginia. Learn more about the program at https://www.ruralhealthinfo.org/funding/3581.
Home Repair Assistance for Veterans in West Virginia
This program provides home repair assistance in form of forgivable loans to low-income veterans and those still in active service. You must meet the low-income limits, reside in West Virginia, and be a veteran. https://www.huduser.gov/portal/pdredge/pdr_edge_inpractice_061713.html.
Want to make your home more energy efficient? Well, the weatherization assistance program provides low-income homeowners with insulation, flooring, heating, and cooling systems. You can have access to these services for free if you live in West Virginia and meet low-income limits in your area. Also, single mothers, veterans, seniors, and people with disabilities are given priority when approving assistance. Find out more at https://oeo.wv.gov/weatherization/Pages/default.aspx.
Appalachia Service Project
The Appalachia Service Project offers home repair support to low-income Appalachia people living in rural areas. You may qualify for free home repairs if you live in the most rural mountains of West Virginia. The program offers several services to help you fix your home and make it safer and comfortable to live in. Home repair grants include electrical work, plumbing, roofing, among others. Visit https://www.asphome.org/ to learn more about the program.
West Virginia Housing Development Fund
You may qualify for a home improvement loan through the West Virginia Housing Development Fund. The amount of funds you can receive through this program depends on the level of your income, home repair needs, and your project. For more information, please visit https://www.wvhdf.com/.
West Virginia Habitat for Humanity
Habitat for Humanity is known for building new homes. They can also offer home repair services to families in desperate situations. Your home repair need must be an emergency one to be assisted by the West Virginia Habitat. Planning to work on the home repair work yourself? Well, you can always have access to free building materials for Habitat’s ReStore. Read more at https://www.habitat.org/local/affiliate-by-state?state=WV.
Charleston Economic Development Department
Living in Charleston City? You may have access to funds for home improvement through the Charleston Economic Development Department. The department is committed to helping homeowners create a safe and healthy living environment. They focus on developing safe and decent housing and offer financial support in form of grants and loans. Qualified homeowners should use the funds to bring their homes to acceptable standards. Single moms, veterans, seniors, and disabled homeowners should apply for the program assistance. Read more about the program at https://www.charlestonwv.gov/government/city-departments/moecd.
Martinsburg Community Development Block Grant (CDBG)
Community Development Block Grant provides home repair funds to low-income homeowners. The amount of money you can receive depends n on your home improvement project, income, and your needs. Home repairs include plumbing, structural, electrical work, roofing, windows, and doors. Find out more at http://cityofmartinsburg.org/community-development/community-development-block-grant-cdbg/.