Home Repair Assistance Programs for Qualified Homeowners

Home repair assistance programs aim to help homeowners with their house reconstruction and enhancement. These programs help each American individual to have a decent, safe, and comfortable home.

Moreover, it helps homeowners to improve their stability in housing. From interior design up to main structural materials of houses can be supported by the home repair assistance programs. We all know that having a safe and comfortable house is important for each individual.

It serves as one of the primary components of our living. Houses are also considered as the traditional habitats of humans. But there are various housing problems that we can encounter.

Home repair assistance programs support individuals to be capable enough of fixing home problems.

According to the NerdWallet survey from the Harris Poll, 61% of U.S homeowners conducted renovations on their houses as of August 2020.

The data shows that millions of U.S individuals want to increase the value of their houses. But we cannot deny the fact that not all of these homeowners are financially stable about their house expenses.

There are still families especially those who belong in the low-income community that are not stable within their house expenses. This serves as the main reason why Home Repair Assistance Programs are created.

Generally, home repair assistance programs are divided into two methods of assisting.  There are programs under loan and grant programs.

The main difference between the two is that loan programs need to be repaid while grants are completely given free.

On the other hand, loans provide higher amounts of financial assistance rather than grant programs. However, it will depend on the homeowner on what program method they want to apply for.

But then, assisting homeowners is still the purpose of home repair assistance programs whether it is a loan or grant.

Available Home Repair Assistance Programs

Home repair assistance programs can be a loan or grant. Moreover, there are programs from the federal government, non-profit organizations, and private institutions.

Most home repair assistance programs are government and supervised by the U.S Department of Housing and Urban Development.

However, there are still programs open from the non-profit organizations and private institutions. All of these programs have the same purpose, to help homeowners with home improvement.

Here are some available programs for Home Repair Assistance.

Section 504 Home Repair Program

Commonly known as Single-Family Housing Repair Loans & Grants. This program provides financial assistance for its eligible beneficiaries to repair and improve their respective homes.

The said program provides loans for low-income individuals or families. It also provides grants for senior citizens who belong to low-income communities.

The American Rescue Plan (ARP) Act of 2021 increased the government fund for this Section 504 that can last up to September 30, 2023. It means that the program can cater to and assist more homeowners with their home renovation.


  • Must be a homeowner
  • Must belong to the low-income community for the income limit in your local state.
  • Must be a U.S Citizen
  • Applicants above the age of 62 will receive a financial grant, not a loan.

Rural Housing: Housing Repair Loans and Grants

This program acts similar to  Section504, the difference is that it focuses on the improvement of houses within rural areas.

It provides financial assistance for eligible beneficiaries that can be used for home repair and modernization.

The said program offers loans for low-income individuals and grants for those elderly with low income.


  • Must be U.S citizens and permanent residents in a rural area.
  • Must be a homeowner who belongs to the low-income.
  • For the Grant Program, applicants must be 62 years old or above.

Housing Improvement Program

HIP provides financial assistance for the Indian tribes with their house renovation, enhancement, and improvement.

This program was supervised by the Bureau of Indian Affairs (BIA) as it prioritizes Indian tribes.

Furthermore, HIP financial aid is 100% free and does not need to be repaid.


  • Must belong to the American Indian tribe or Alaska Native.
  • Must live in an approved tribal service area.
  • Must have a maximum income of 125% based on the U.S. Department of Health and  Human Services (DHHS) Poverty Guidelines.

Home Repair Assistance Programs from Non-profit Organization

Rebuilding Together – The largest non-profit organization that helps American citizens to improve their respective houses. Its main purpose is to preserve affordable homeownership through a home renovation.

Rebuilding Together finished total projects of 200,000 for homes and community centers. Moreover, the said organization has 142 offices throughout the United States and continuously helps American individuals.


  • Must not exceed 80% of the local Area Median Income.
  • Further eligibility rules for Rebuilding Together vary in local state.

Home Repair Assistance Programs from Private Institution

Harris County Home Repair Program – This program from a private institution provides grants for eligible beneficiaries to renovate their houses.

It provides financial assistance depending on your renovation projects such as minor repair, major reconstruction, and septic and water well projects.


  • Must be a sole owner of a residential property
  • Assets must not exceed $40,000
  • Must be a first-time applicant of Harris County Home Repair program: minimum of 5  years for minor repairs and minimum of 10 years for major reconstruction.

How Can I Apply for the Assistance Programs?

The application process for Home Repair Assistance Programs varies on the kind of program.

However, most of the program applications can be done online. Below the respective websites for each program to have more information and start your application.

Home Repair Assistance Programs from the Federal Government

Home Repair Assistance Program from Non-profit Organization

  • Rebuilding Together

Home Repair Assistance Programs from Private Institution

  • Harris County Home Repair Program

Documents You Should Prepare for the Application

The required documents for the application of Repair Assistance Programs differ on the specific programs that you’re applying for.

The program will show the documents that will need upon the application process. 

However, you can see below some of the required documents for each program.

  1. Proof U.S. citizenship
  2. Proof of Home Ownership
  3. Proof of your Income (must meet the standard income guidelines of a specific program)
  4. Proof of Employment
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