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Housing Expense Assistance

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Home Rehabilitation Grants

  • Programs that provide cash assistance for people who need to make essential repairs to their homes in order to eliminate health or safety hazards or improve their security. Most grant programs cover major repairs, system upgrades and replacements (e.g., plumbing, heating or electrical systems) but not minor repairs. Age, income, disability or other eligibility requirements may apply.

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Home Rehabilitation Loans

  • Programs that provide loans for income-eligible people who want to repair or modify their homes or mobile homes to make them energy-efficient, attractive, safe and free of health hazards; or which help eligible individuals find loans for this purpose. Most loan programs cover major repairs, system upgrades and replacements (e.g., plumbing, heating or electrical systems) but not minor repairs. Included are conventional home rehabilitation loans, deferred loans (in which payments are deferred until the home is sold) and forgivable loans (in which all or a part of the loan is forgiven if the borrower resides in the home for a specified period of time). The forgiven part of a forgivable loan amounts to a contingent grant. If the borrower sells the home prior to the specified time period, all or part of the loan is due. A common variation is to have portions of the loan forgiven gradually over a period of years.

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Home Rehabilitation Services

  • Programs that provide assistance in the form of labor and supplies for people who need to make major repairs to their homes or upgrade/replace entire systems to eliminate health and safety hazards (such as gas leaks, outdated or hazardous electrical wiring and plumbing) or to improve their security e.g., by installing fences or fixing/replacing broken doors or windows. Typical services include major roofing repair and/or replacement; electrical and plumbing upgrades or repairs; septic system improvements; heating and air conditioning system repairs; flooring, tile or wall repairs; and interior and exterior painting that is part of the home rehabilitation process. Most programs do not handle minor repairs. Age, income, disability, need or other eligibility requirements may apply.

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Low Cost Building Materials/Supplies

  • Programs that provide access to building materials at below market costs. In many cases, the materials have been recovered from obsolete buildings by building deconstruction programs and made available for reuse by communities as an alternative to purchasing new materials.

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