Get Up to $25,000 for Roof, Window, and Gutter Repairs — No Loan Required

If your roof is leaking, your windows are drafty, or your gutters are falling apart, there's a new program that could pay for the fix — for free. The Federal Home Loan Bank of Atlanta (FHLB Atlanta) just launched a home repair grant program called Community Rebuild and Restore, and it offers up to $25,000 in grant money for qualifying homeowners. No repayment. No loan.

What Does the Grant Cover?

This grant is specifically for:

Roof repairs or replacement
Window replacements
Gutter and downspout work

The repairs must fix a real problem that affects your ability to safely live in the home — not something covered by your home insurance.

Who Can Apply?

To qualify, you must:

Own and live in your home (you must have lived there for at least 30 days)
Earn less than 80% of your area's median income
Live in one of the states served by FHLB Atlanta: Alabama, Washington D.C., Florida, Georgia, Maryland, North Carolina, South Carolina, or Virginia

Single-family homes, townhomes, and condominiums all qualify.

What Are the Income Limits?

Each county sets its own limit. For example, in Charleston County, SC, the limit for a single person is $62,160 per year. A family of four would have a higher limit. You can look up your county's exact limit on the FHLB Atlanta website.

How Do You Apply?

You don't apply directly to FHLB Atlanta. Instead, you go through a member bank — a local bank or credit union that participates in the program. Here's how:

Visit corp.fhlbatl.com/find-member to find a participating bank near you.
Contact the bank and tell them you're interested in the Community Rebuild and Restore rehabilitation grant.
The bank will walk you through the application process.

Is There Also Help for Home Buyers?

Yes! FHLB Atlanta also has programs for people buying a home:

First-time Homebuyer: Up to $17,500 in down payment help (must earn under 80% AMI)
Community Partners: Up to $20,000 for law enforcement, teachers, firefighters, healthcare workers, veterans, and first responders
Workforce Housing Plus+: Up to $15,000 for buyers earning between 80–120% AMI — no first-time buyer requirement

Why This Matters

Many homeowners with lower incomes can't afford big repairs like a new roof — and a leaking roof can cause thousands of dollars in additional damage over time. Programs like this one exist because FHLB Atlanta is legally required to set aside 10% of its earnings for affordable housing. That money goes directly to homeowners like you.

This program is open now. Find a member bank and ask about the Community Rebuild and Restore grant today.