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housing repairs

 
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Home Repair Programs For People Who Live In Kansas

 

The programs and resources listed below help homeowners with home repairs and improvements.

 -   Community housing development organizations - many organizations throughout Kansas offer various home repair assistance programs
 -   Johnson County home repair programs - provides assistance for home rehabilitation for eligible residents of Johnson County
 -   Kansas Affiliates of Habitat for Humanity - through volunteer labor, builds and rehabilitates houses for families in need
 -   Veterans Affairs Regional Loan Center - loans and grants to qualifying veterans to adapt an existing dwelling to meet specific needs
 -   USDA Rural Development Office - home improvement loans and grants to low-income homeowners in rural areas
 -   Community contacts - find out if your community offers home repair assistance
 -   Make your home more energy efficient

Programs by City/Town

 -   Atchison
 -   Bonner Springs - tax rebate program for home rehabilitation and construction
 -   Hutchinson
 -   Interfaith Housing Services, Inc.
 -   Kansas City
 -   Unified Government of Wyandotte County and Kansas City, Kansas - Housing Enhancement Loan Program
 -   Lawrence - offers several home repair assistance programs
 -   Leavenworth - deferred loans for qualifying owners
 -   Olathe - offers several home repair assistance programs
 -   Overland Park - provides low-interest loans to homeowners
 -   Salina - financial assistance for basic repairs
 -   Topeka - neighborhood revitalization program with property tax rebates
 -   Wichita - Heart of Wichita program

Other Local Resources

 -   Housing counseling agencies - member organizations provide housing and income management counseling
 -   Find your local Better Business Bureau - check out contractors before starting home repairs
 -   Attorney General's Consumer Protection Division - if you have a complaint against a contractor

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Akron, Ohio Housing Repair Assistance Programs

The Housing Division does not offer repair assistance. To help individuals obtain compliance with their Housing Code orders we have compiled a list of Housing Assistance Programs. The listing includes the names of assistance programs, descriptions of the assistance offered, qualifications for eligibility, and the contact information for the program.

Akron Urban League/ United Services for All - Housewarming Program

Types of Repairs

  • install insulation in sidewalls and attic
  • repair furnace and hot water tank

Applicant Eligibility

  • participation in Percentage of Income Plan (PIP) or Home Energy Assistance Program (HEAP)
  • income for the previous 12 months that would qualify you for PIP or HEAP

Contact Information
United Services for All
250 E. Market St.
Akron, OH  44308
Vernia Breaux
330-434-3101
Fax: 330-434-2716
E-mail: aul250@aol.com

City of Akron – Minor Home Repair

General Description

  • provides a grant up to a maximum of $4,000 to correct health and safety items.
  • repairs are prioritized
  • grant funds will not be provided for partial corrections

Type of Repairs (by priority)

  • Roofing
  • Electrical
  • Furnace
  • Plumbing
  • Gutters and downspouts
  • Porch and steps
  • Disability access

Applicant Eligibility

  • Home must be a single family dwelling within the City of Akron
  • Community Development Areas are excluded
  • Owner occupied
  • Proof of ownership
  • Either disabled or age sixty or older
  • Income is at or below 125% of poverty

Contact Information
City of Akron
Housing Services-Minor Home Repair Program
161 S. High St., Suite 201A
Akron, OH 44308
330-375-2050
Fax: 330-375-2417
www.ci.akron.oh.us/planning/common/nhcprogs/index.htm

Emergency Home Repair Program
East Akron Neighborhood Development Corporation (EANDC)

General Description

  • Minor/emergency home repair
  • Emergency repairs are a priority
  • Average repair maximum is $450

Type of Repairs

  • Roofing
  • Electric
  • Plumbing
  • Heating
  • Handicap access

Applicant Eligibility

  • The household income cannot exceed 199% of the Federal Poverty Guidelines.

Contact Person
Anna Deger, Program Coordinator
EANDC
1035 Rosemary Blvd., Suite J
Akron, OH 44306
330-773-2095
Fax: 330-773-2108
www.eakronndc.org

PASSPORT Housing Assistance Program (Summit County)

General Description

  • For PASSPORT clients
  • Minor home repair to avoid nursing home placement
  • Accessibility repairs to avoid nursing home placement
  • Amount available depends on the cost of the clients other case costs

Type of Repairs

  • Roofing
  • Heating
  • Electric
  • Plumbing
  • Health and safety
  • Handicap or disability access

Eligibility

  • PASSPORT clients only
  • Homeowners
  • Renters (for access issues)

Contact Person
April O’Herron, Housing Specialist
Area Agency on Aging
1550 Corporate Woods Parkway
Uniontown, OH 44685
330-896-9172
1-800-421-7277
www.services4aging.org

Rebuilding Together with Christmas in April

General Description

  • Community based project
  • Free assistance
  • Help homeowners live independently

Type of Repairs

  • Roofing
  • Electrical
  • Disability access
  • Yard clean-up
  • Security
  • Heating
  • Plumbing
  • Painting
  • Carpentry
  • Flooring
  • Windows/doors

Applicant Eligibility

  • 60 years of age or older or permanently disabled homeowners
  • Single-family dwelling in Summit County
  • Current homeowners insurance
  • Property taxes current
  • Income eligible (HUD guidelines)

Contact Person
Paul Holm
Rebuilding Together with Christmas in April
788 Donald Ave.
Akron, OH 44306
330-773-4100
Fax: 330-773-4116
E-mail: rtinfo-sc@sbcglobal.net
http://www.rebuildingtogether-sc.org/

Home Weatherization Programs

Summit County and East Akron Neighborhood Development Corp.

General Description
Summit County Home Weatherization Assistance Program (HWAP) and East Akron Neighborhood Development Corporation (EANDC) both provide HWAP services, but cover separate areas. EANDC serves the East side of Akron, and Summit County HWAP serves the remainder of Summit County. HWAP is a free program to homeowners and tenants. Services can be provided to Single-family or Multi-family homes and trailers. Landlords may be required to assist in the cost of repairs.

Types of Services

  • Health and Safety (furnace replacement, hot water tank replacement, and electric repair/upgrade.
  • Heating work- furnace tune and clean, minor furnace and hot water tank repairs, and minor gas leak repairs.
  • Insulation of attic and sidewalls.
  • Carbon Monoxide testing on gas equipment.
  • Reduction of major air leakage sites-door or window insulation kits, glass replacement, caulking of basement area and trailer skirts.

Applicant Eligibility
Applicants have to be low-income homeowners or tenants. The household income cannot exceed 150% of the Federal Poverty Guidelines. TANF, and SSI recipients are automatically eligible.

Contact information
Home Weatherization Assistance Program
Anna Deger, Program Coordinator
EANDC
1035 Rosemary Blvd. Suite J
Akron, OH 44306
330-773-2095
www.eakronndc.org

Summit County Dept. of Community and Economic Development
Home Weatherization Assistance Program
Leeann Gillenwater
175 S. Main St., Suite 208
Akron, OH 44308
330-643-2537
www.co.summit.oh.us/executive/weather.htm

City of Akron Neighborhood and Housing Development Programs

Housing and Community Services
The City of Akron offers housing rehabilitation programs in selected areas of the city. The programs include Housing Inspection/Rehabilitation, Neighborhood Housing Petition Program, Rental Rehabilitation Program, and Community Development Services Programs.

Program Benefits
Akron will continue to invest in qualified properties to improve its outward appearance (roof, siding, windows, gutters, porches, steps, foundation) and make sure that major interior systems – heating, electrical and plumbing – are in good working order.

  • The City will invest up to $15,000 in rehabilitation of owner occupied homes in Redevelopment Areas, the Lead Abatement area, and the Neighborhood Initiative areas. Property owners will be eligible for a $7,500 grant and a $7,500 deferred loan (deferred loans are 0% interest and are repaid when the house is sold, refinanced or transferred to heirs).
  • Low interest loans are available for owners wishing to make greater investment in their property beyond what is necessary to improve the exterior and make the interior of the structure safe.
  • Rental owners can receive a dollar for dollar matching grant of $7,500 for single- family properties and $15,000 for 2-4 unit properties. Lower interest loans are available to qualified borrowers to use as match for the grants.
  • A rehabilitation specialist will perform a complete evaluation of your house and provide a written summary for free.
  • Free bids for construction from three reputable contractors.
  • Streets, sidewalks, curbs, sewers, lighting and street trees in the areas are improved where necessary.

Contact Information
Department of Planning and Urban Development
Housing and Community Services Division
161 S. High St., Suite 201A
Akron, OH 44308
330-375-2050
www.ci.akron.oh.us/planning/common/nhcprogs/index.htm

Ohio Edison Electrical Repair Program

General Description
This is a grant that offers assistance for owner-occupied homes to update their electrical service.

Income Guidelines

# Of Family Members Household Income
1 $14,700
2 $19,800
3 $24,900
4 $30,000
5 $35,100
6 $40,200
7 $45,300
8 $50,400

Contact Information
Contact the City of Akron 311 Call Center
@311 or 330-375-2311 to apply.

Emergency Utility Assistance

East Ohio Gas Co.
Community Affairs Representative
330-798-7204
Ann Wasson

Catholic Services League
Kathy Tilden 330-762-7481
Vicki 330-773-1446

Office of The Ohio Consumers' Council (OCC)
www.pickocc.org

First Presbyterian Church
Rita Vincent 330-434-5183

Emergency Assistance Programs
Health and Human Services
330-643-7888
4-6 week waiting period

Infoline
330-376-6660
www.infolineinc.org

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Tracy, California Housing Rehabilitation And Repair Programs

Click Here For Website

The City of Tracy Community Development Agency is pleased to offer the following loan and grant programs to qualified, income-eligible, owner-occupied homeowners in the downtown area.

Rehabilitation Home Loan Program

This program offers low interest and, in some cases, deferred payment loans up to $50,000 for needed home rehabilitation work.

Eligible improvements include mechanical, electrical, plumbing, heating and structural systems repair or replacement, drainage improvements, roof repair; painting, siding and weatherizing.

Weatherizing and Home Security Program

Offers grants up to $2,000 for weatherizing and home security improvements.

Eligible improvements include insulation for attic and walls, weather stripping for doors and windows, security lighting, doors and screen doors, energy efficient windows, smoke and carbon monoxide detectors, residential security systems, and roof and siding repairs.

Grant funds are available on a first-come, first-served basis, after completion of the repair work. All grant eligible improvements must have prior approval from the City of Tracy Community Development Agency.

Exterior Enhancement Program

Offers grants up to $2,000 for home exterior improvements. Eligible improvements include exterior painting, new fencing, roof repairs or replacement, security doors and security screen doors, front yard landscaping, and driveway repair or replacement.

Grant funds are available on a first-come, first-served basis, after completion of the repair work. All grant eligible improvements must have prior approval from the City of Tracy Community Development Agency.

Emergency Home Repair Assistance Program

Offers grants up to $2,000 for needed emergency repair or accessibility modifications.

Eligible improvements include mechanical, electrical, plumbing and structural systems, drainage improvements to prevent or correct flooding of structures, and roof repairs.

Grant funds are available on a first-come, first-served basis, after completion of the repair work. All grant eligible improvements must have prior approval from the City of Tracy Community Development Agency. However, if prior approval cannot be obtained due to an unforeseen emergency, repair costs may be eligible under certain conditions.

Down Payment Assistance Program

Provides deferred, down payment assistance loans of 30% of purchase price of home with a cap of $75,000 for low income, first-time homebuyers for the purchase of newly built or existing homes.

All first time home buyers must be certified as first time home buyers by a HUD approved agency (ie. Visionary Home Builders).

Loan and Grant Program Eligibility Requirements
  • Applicants must be owner-occupants of home in need of improvements.
  • Homes must be located within the downtown area (see map).
  • Programs are available to downtown Tracy residents whose income does not exceed the following limits:
    Household Size* Annual Income
    1 $53,450
    2 $61,050
    3 $68,700
    4 $76,350
    5 $82,450
    6 $88,550
    7 $94,650
    8 $100,750
    *Additional restrictions may apply.

The City of Tracy Downtown Rehabilitation Loan and Grant Programs help to create a better place to live by enhancing the quality of life for low-income families and preserving the existing housing stock in the City of Tracy.

For additional information, please contact:

City of Tracy
Community Development Agency
324 E. 11th Street, Suite D
Tracy, CA 95376
Phone: (209) 831-6490

Servicios de traduccion para solicitantes que no hablan Ingles estan disponibles haciendo arreglos anticipado con nuestra oficina.

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Lake County, Florida Home Repair And Replacement Program

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Home Repair/Replacement Program

Lake County offers financial assistance for repairs to homes owned by extremely low, very low and low incomes persons utilizing State Housing Initiatives Partnership funds. The funds can be used for repairs, or rehabilitation or replacement of homes to ensure that they are decent, safe, and sanitary. Some eligible usages of funds include:

  • Weatherization activities
  • Home repairs, as well as necessary repairs to correct substantial code violations
  • Repairs and alterations in order to improve health, safety and well being of the occupants
  • Repairs to contribute to the structural integrity and preservation of homes
  • Demolition and replacement housing (in some instances)

Home owners wishing to participate in the Home Repair programs must have income less than listed in the table below based upon family size.

Household Size
Number of Persons

Very Low Income
>50% of Area Median Income

Low Income
>80% Area Median Income

1

$20,100

$32,150

2

$22,950

$36,700

3

$25,850

$41,300

4

$28,700

$45,900

5

$31,000

$49,550

6

$33,300

$53,250

7

$35,600

$56,900

8

$37,900

$60,600

*Effective 3/8/2006
*Subject to periodic updating per U.S. Department of Housing and Urban Development guidelines

Applicants are also required to contractually agree to all program guidelines, and certify that they own the home to be assisted, and that it is their principal residence. Additionally, first mortgages, property taxes and/or assessments must be current. The property to be assisted must be free from any liens or judgments, and the homeowner must complete the required Homeowner Maintenance Training Classes.

The Home Repair programs provide an interest-free deferred payment loan to qualified, eligible applicants. All loans are deferred until point of sale, transfer of title, moving, refinancing with a cash pay out, refinancing with higher interest rate, refinance with more than 2% lender’s fees, or failure to occupy the home. Home repair/rehabilitation loans are forgiven after five years provided the applicant continues to live in the home; loans for home replacement have a term of thirty years.

For more information about the Home Repair program, call (352) 742-6530.

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Livermore, California Housing Rehabilitation And Repair Programs

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Housing Rehabilitation Program

New City of Livermore rehabilitation loan and grant programs are currently being developed. Watch this site for more details!

Currently, the City of Livermore works in cooperation with the Alameda County Housing and Community Development (HCD) office, provides a Housing Rehabilitation program which is available to low income home owners in Livermore. An eligible household must live in and hold title to the home, and hold title to the home, and the household income cannot exceed 80% of the median income for the area:

Persons in Family Income Limits

1 - $40,600
2 - $46,400
3 - $52,200
4 - $58,000
5 - $62,650
6 - $67,300
7 - $46,200
8 - $76,550

The Housing Rehabilitation program has become an increasingly significant element of the City's housing and community development efforts. As Livermore's housing stock has continued to age (along with an aging population), home maintenance and repair have increased in importance. The existence of an active housing rehabilitation program is seen as a necessary element of Livermore's affordable housing policies in that it addresses preservation of existing housing which is very affordable to the present occupants. Beneficiaries of the program have included a high percentage of elderly residents and households headed by single parents.
The City's housing rehabilitation program includes a variety of sub-programs which offer different types of services. These are summarized below:

For Home Owners:

  • Major Owner Rehabilitation Loans
    The objective of this program is the rehabilitation of housing to bring all systems up to standard (e.g., electrical, plumbing, roofing, etc.). The program provides a low-interest, amortized or deferred loan of up to $20,000 to low income home owners.
     
  • Minor Home Repair Grants
    Repairs are made to correct immediate threats to the health and safety of the occupants (e.g., electrical, plumbing, carpentry, etc.). The program offers grants to low income home owners of up to $500 for labor and materials.
     
  • Seismic Loans
    The objective of this program is to increase the safety of owner-occupied residential structures in the event of an earthquake. The program provides loans up to $5,000 to low income home owners. Typical improvements include shear wall, foundation bolting, chimney replacement, standard code and health and safety items. Seismic loans can be used in conjunction with other elements of the housing rehabilitation program.

For Mobile Home Owners:

  • Mobile Home Repair Grants
    This program provides loans for repairs to correct immediate threats to the health and safety of the occupants (e.g., electrical, plumbing, roofing, carpentry, etc.). The program offers grants to low income owners of mobile homes at a maximum of $2,000 for labor and materials.
  • Mobile Home Seismic Grants
    The objective of this program is to increase the seismic safety of mobile homes, which are particularly vulnerable to earthquakes. The program provides grants up to $2,000 to low income owners of mobile homes. Typical improvements include seismic tie-downs and securing of mobile home foundations.

Other Programs:

  • Paint Grants
    Through the paint grant program, eligible home owners can receive grants of up to $5,000 for exterior painting of their dwelling.
     
  • Accessibility Grants and Loans
    This program objective is to offer eligible improvements for accessibility to low income tenants and owner-occupants. Eligible improvements include: removal of architectural barriers; installation of ramps, safety hand rails, and/or grab bars; widening of kitchen and/or bathroom doorways; installation of accessible toilets, showers, tubs, lavatories, and/or sinks; and related improvements. Tenants are eligible for a grant of up to $5,000; the first $1,000 is in the form of a grant, with the remainder (up to $4,000) in the form of a zero interest, deferred payment loan. Owner-occupants may receive assistance up to $1,000.

Information on obtaining assistance through the City of Livermore's Housing and Human Services Division at 925-960-4580 or obtained by calling the Alameda County HCD office at 510-670-5399.

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Buffalo, New York Home Energy Assistance Programs

Chilly nights have already settled into Buffalo and the surrounding areas and most families have put off turning on the heat because they don't have the money to pay high heating bills. Help is here in the form of HEAP (Home Energy Assistance Program), which begins taking applications on November 1st across New York State.

If your family received help from HEAP last year, you can reapply over the phone or online, you do not need to go to the Social Services offices.

 

For information and suggestions on how to lower your utilities bills, check out Heat Smart, NY.

HEAP (Home Engergy Assistance Program) Income guidelines (effective 10/1/10 through 9/30/11):

FAMILY SIZE           GROSS MONTHLY INCOME
   1                                     2,129
   2                                     2,784
   3                                     3,439
   4                                     4,094
   5                                     4,749
   6                                     5,404
   7                                     5,527
   8                                     5,650
   9                                     5,773
  10                                    5,896
  11                                    6,029

Each additional                 add $468 per person

Basic information about HEAP (Home Energy Assistance Program):

Regular HEAP benefits are based on income, the primary fuel source and the presence of a household member who is under age 6, age 60 or older or permanently disabled. A household may receive one Regular HEAP Benefit per program year paid directly to the vendor that supplies their main source of heat.

Emergency HEAP benefits are based on income, available resources, the number of household members and the primary fuel type. A household may be eligible to receive one emergency heating benefit for their main source of heat and one emergency heat related benefit for their electric if their electric is necessary to run their thermostat.

The Furnace Repair and Replacement Component of the Home Energy Assistance Program is available to help eligible low-income home owners repair or replace furnaces, boilers and other direct heating components necessary to keep the home's primary heating source functional.

Furnace benefits amounts are based on the actual cost incurred to replace or repair the applicants’ furnace, boiler, and/or other essential heating equipment necessary to keep the home's primary heating source operational.

To receive a benefit, an application must be made in person at the local department of social services and the applicant must receive a determination from the local department of social services that the applicant has met all established eligibility criteria, including established income and resource requirements. Benefits are paid directly to vendors after completion of all work for previously approved applications only.

Applications for furnace repairs or replacements are available at your local department of social services office

For more information contact your local Social Services office or call the HEAP Hotline at 1-800-342-3009 begin_of_the_skype_highlighting              1-800-342-3009      end_of_the_skype_highlighting. Contact HEAP to verify all information before applying for benefits.

Print the HEAP application fill it out, and take it with you to your appointment. You will need pages 1 through 4.

Items you will need to bring with your application to Social Services:

  • A current fuel and/or utility bill or receipt which document a direct vendor relationship for energy based upon actual usage billing or a statement from your landlord that your heat and/or utilities are included in your rent
  • Proof of income for all income earning persons in your household (including alimony and child support) for the previous 4 weeks
  • Unemployment insurance benefits book
  • Bank book, interest or dividend statements
  • Copies of Social Security or pension checks or direct deposit statements
  • Business statements for the previous 3 months if you are self employed

You will also need to bring one of the following for each person in your household

  • Birth or marriage certificates
  • School or baptismal records
  • Social Security Cards
  • Driver’s license
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Nebraska Home Repair Programs For Low Income

 

The programs and resources listed below help homeowners with home repairs and improvements.

 -   Nebraska Energy Office - provides low interest loans to fund energy efficient modifications for homeowners
 -   Assistive Technology Partnership - online application for assistance in locating home repair and modification programs
 -   Nebraska Community Action Agencies - some Community Action Agencies have low-interest loan or grant programs to assist homeowners with repairs or renovation to their homes
 -   Blue Valley Community Action - Butler, Fillmore, Gage, Jefferson, Polk, Saline, Seward, Thayer, and York counties
 -   Central Nebraska Community Services - Blaine, Boone, Boyd, Brown, Colfax, Custer, Garfield, Greeley, Hall, Hamilton, Holt, Howard, Keya Paha, Loup, Merrick, Nance, Platte, Rock, Sherman, Valley, and Wheeler counties
 -   Community Action Partnership of Mid-Nebraska - serving a 27-county area of central Nebraska
 -   Panhandle Community Services - Banner, Cheyenne, Deuel, Garden, Kimball, Morrill, and Scotts Bluff counties
 -   Northeast Nebraska Economic Development District - serving the 16-county on Northeastern Nebraska
 -   Southwest Nebraska Community Betterment - Perkins, Chase, Hayes, Hitchcock, and Dundy counties
 -   Nebraska Affiliates of Habitat for Humanity - through volunteer labor, builds and rehabilitates houses for families in need
 -   Veterans Affairs Regional Loan Center - loans and grants to qualifying veterans to adapt an existing dwelling to meet specific needs
 -   USDA Rural Development Office - home improvement loans and grants to low-income homeowners in rural areas
 -   Community contacts - find out if your community offers home repair assistance
 -   Make your home more energy efficient

Programs by City/Town

 -   Bellevue
 -   Grand Island
 -   Hastings
 -   Housing Development Corporation
301 S. Burlington Ave.
Hastings, NE 68902-1005
Phone: (402) 461-8407
Email
Contact: Linda Addison, Executive Director
 -   Lincoln:
 -   City of Lincoln
 -   Neighborhoods, Inc.
 -   Norfolk
 -   Omaha

Other Local Resources

 -   Housing counseling agencies - member organizations provide housing and income management counseling
 -   Find your local Better Business Bureau - check out contractors before starting home repairs
 -   Attorney General's Consumer Protection Division - if you have a complaint against a contractor

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Southwestern Ohio Free Home Repairs Available For Low Income Seniors

Council on Aging of Southwestern Ohio (COA) is offering free home repairs and safety modifications for low-income homeowners and renters age 60 and older.

The HOME Program has helped thousands of elderly people who are living in unsafe conditions but want to remain in their own homes.  It is made possible through a grant from the Ohio Housing Trust Fund.  Council on Aging administers the program.

Annually, the program is combined with other funding to help more than 1,000 older adults in the five-county area served by Council on Aging. 

Improvements include wheelchair ramps, bathroom grab bars, tub cut-outs, replacement of dangerous electrical wiring, and repair of roofs, floors, plumbing, steps, furnaces and locks.

 

To request a HOME program application, call 513-721-1025 or 1-800-252-0155.

 

About the HOME Program
Help is available on a first-come, first-served basis to people age 60 and older whose annual gross incomes are at or below:

  • $15,867 per year (1-person household) OR
  • $18,083 per year (2-person household) OR
  • $20,256 per year (3 person household).

Safety modifications are available for homeowners as well as renters.  Examples include:

  • Wheelchair ramps
  • Grab bars
  • Handrails 

Modifications that are the responsibility of the building owner are excluded.

Repairs are available for homeowners only -- not renters.  They must be for safety threats such as:

  • Faulty, hazardous wiring
  • Broken furnace or hot water heater
  • Broken locks, doors or steps
  • Broken plumbing or fixtures
  • Leaking, collapsing roofs

Sewer and septic problems, foundation work and non-critical repairs are excluded.

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USDA General Information On Home Repair Programs

Single Family Housing Programs provide homeownership opportunities to low- and moderate-income rural Americans through several loan, grant, and loan guarantee programs. The programs also make funding available to individuals to finance vital improvements necessary to make their homes decent, safe, and sanitary. Visit the following sites for information and/or assistance...



Section 502 loans are primarily used to help low-income individuals or households purchase homes in rural areas. Funds can be used to acquire, build (including funds to purchase and prepare sites and to provide water and sewage facilities), repair, renovate or relocate a home. 

  • Rural Housing Guaranteed Loan

  • Applicants for loans may have an income of up to 115% of the median income for the area. Area income limits for this program are here. Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance. In addition, applicants must have reasonable credit histories.

  • Rural Housing Direct Loan


  • Rural Repair and Rehabilitation Loan and Grant

  • The Very Low-Income Housing Repair program provides loans and grants to very low-income homeowners to repair, improve, or modernize their dwellings or to remove health and safety hazards. Rural Housing Repair and Rehabilitation Grants are funded directly by the Government. A grant is available to dwelling owner/occupant who is 62 years of age or older. Funds may only be used for repairs or improvements to remove health and safety hazards, or to complete repairs to make the dwelling accessible for household members with disabilities.

  • Mutual Self-Help Loans

  • The Section 502 Mutual Self-Help Housing Loan program is used primarily to help very low- and low-income households construct their own homes.

  • Rural Housing Site Loans

  • Rural Housing Site Loans are made to provide financing for the purchase and development of housing sites for low- and moderate-income families.

  • Housing Application Packaging Grants

  • Housing Application Packaging Grants provide government funds to tax-exempt public agencies and private non-profit organizations to package applications for submission to Housing and Community Facilities Programs.

  • Individual Water and Waste Grants

  • Individual Water and Waste Water Grants provide Government funds to households residing in an area recognized as a colonia before October 1, 1989.

  • Self-Help Technical Assistance Grants

  • To provide Self-Help Technical Assistance Grants to provide financial assistance to qualified nonprofit organizations and public bodies that will aid needy very low and low-income individuals and their families to build homes in rural areas by the self help method. Any State, political subdivision, private or public nonprofit corporation is eligible to apply.

  • Technical and Supervisory Assistance Grants

  • To assist low-income rural families in obtaining adequate housing to meet their family's needs and/or to provide the necessary guidance to promote their continued occupancy of already adequate housing. These objectives will be accomplished through the establishment or support of housing delivery and counseling projects run by eligible applicants.

For more information about these programs, or to file an application, contact the local Rural Development office in your area.

For general information, please visit our Frequently Asked Questions page.

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Gigio  

Financial and College Assistance

Hello, I am a 42 year old African American married female of two teen girls. I, from the age of 15 took care of my mother who was diagnosed with Lupas and Bipolar disorder, so going to college was not in my plans. My mother died in my home some years back and now as an adult with grown children, I can now concentrate on my own education. Unfortunatly though, my body does not agree. I have been unemployed for over a year now. I know that I can qualify for disability, but I do not want to. I want to be educated and to work. My youngest daughter as well as my husband both have medical problems. My husband does his best, but suffers from depression because of his illness. We are very much behind on bills our medication costs are ridiculous, even with insurance and our little house is falling apart. We pay out of pocket for my daughter meds. We do not have the money for repairs or even for additional food. I feel guilty asking for assistance to go to college, but I want to be an example for our daughter. I too have Chronic depression, Osteo Arthritis, Type 2 Diabetes and just recently diagnosed with Fibromyalgia. Money would really be a blessing. College is second on my wish list. If there is anyone who can help, It would really be a blessing. Thank you.

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Etee  

dental/med and housing repairs

I am looking for someone to help my 61 year old mother. She works full time at a small factory with no insurance.  She provides food and housing for her youngest daughter (unemployed) and her 6 year old grandson, and her 4 month old grandson.

Mother has tried to get medicaid but "makes too much money" she so far has not qualified for any help.

She is in need of some oral surgery, as several of her teeth are broken off and falling out. She recently used "gorilla glue" to fix her front tooth.

The house she lives in is old and in need of several repairs, the main concern right now is the old chimney that is crumbling inside of the house and leaking water.  The second problem is her front porch is rotting and falling down, this is dangerous for her as well as any person that might walk on the porch.

Her other adult children have tried to help as much as we can but, we are also struggling to make ends meet and cannot afford to do much. 

Is there any help available for her? Can someone guide me to an oral surgeon that would either allow her to set up payments or donate the surgery?

Is there any help for her for home repairs that doesn't have the same guidelines for qualifying for assistance as most government agengcies.  She is always just right over the amount to qualify for help.

Any help would be greatly appreciated. Thanks so much.

We reside in central Ohio.

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