Grants for Homeowners in Florida

How can I get a home improvement grant in Florida?

There are around 168 home improvement programs in the state of Florida. The Miami and Tampa areas include most of these programs, but they can be found in smaller areas too. Home improvement or home repair grants and loans are available to low and moderate-income homeowners, renters and lenders, low income senior citizens, and disabled people. The eligibility requirements on these funds vary on income, age, type of property, as well as the location of the property. Reaching out to federal, state and county agencies that administer grant and loan programs is your first step. For convenience, search and apply for Florida home repair grants online. One very important factor when applying is being informed on time since most of them operate on a first comes first-served basis. Knowing where to start so you can begin the qualifying portion is your first goal. There is more than one place where you can get informed and apply for these funds. First, keep in mind that not all grants will be categorized specifically under home improvement needs. They may be related to broader themes such as conservation, community upgrades, veteran or low-income family support for all residents.

You can start by visiting the Florida Department of Economic Opportunity. This department administers the Community Development Block Grant Program, which is a federal program that provides funding for housing and community development activities. If your total household income is at or below 80 percent of the area’s median income, you are eligible for this financial aid. 

The Affiliate Support Habitat for Humanity of Florida is a separately incorporated non-profit organization supporting the work of Habitat for Humanity’s affiliates in the state of Florida. This non-profit organization can also help you in your home modification by providing you volunteer labor and low-cost donated materials. They offer home repair services to homeowners so they can continue to live in safe, decent homes for years to come. Some of their home repair work includes painting, landscaping, weatherization, and minor repair services to preserve home exteriors and revitalize neighborhoods. You can start by finding your local Habitat for Humanity organization: https://www.habitat.org/local/affiliate-by-state?state=FL

If you live in a rural area, The United States Department of Agriculture can help you through their Single Family Housing Repair Loans & Grants Program or Section 504. Grants up to $7,500.00 are available to senior citizens of age at and above 62 whose household income is below 50% of the area median income. You can start by contacting your local office: 

https://offices.sc.egov.usda.gov/locator/app?service=page/CountyMap&state=FL&stateName=Florida&stateCode=12

If you are in need of weather-related repairs and you need funds to make your home more energy-efficient, you can apply for the Florida Weatherization Program. This program is funded by the Department of Energy. To qualify, applicants must be below 50% of the national poverty line, with a preference for applicants over 62, with disabilities, or with children under the age of 12. You can start your application by contacting your local office:

http://floridajobs.org/community-planning-and-development/community-services/weatherization-assistance-program/contact-your-local-weatherization-office-for-help

How can I get a solar grant in Florida?

There are plenty of solar tax incentives available in Florida if you are planning on installing solar panels and batteries. Florida, also known as the Sunshine State, is the third best state in the US for going solar. Going solar in 2021 is essential for reducing carbon emissions by using renewable clean energy from the sun and lowering your monthly energy costs.

The Federal Solar Investment Tax Credit or ITC is a federal policy that supports the use of solar energy in the USA. This policy represents a 26 % tax credit claimed against the tax liability for solar systems on residential and commercial properties. As of June 2021, the average solar panel cost in Florida is $2.63/W with the average gross price for solar in Florida coming in at $13,150. You can apply for this credit on your taxes when you purchase solar systems and install them on your roofs.

The percentage that you can get is the following:

  • 26 percent for projects that begin construction in 2021 and 2022,
  • 22 percent for projects that begin construction in 2023,
  • After 2023, the residential credit drops to zero while the commercial credit drops to a permanent 10 percent.

To apply for this credit you must meet certain criteria, such as:

  • The solar PV system is located at your primary or secondary residence in the United States, or for an off-site community solar project, if the electricity generated is credited against, and does not exceed, your home’s electricity consumption,
  • You own the solar PV system (i.e., you purchased it with cash or through financing but you are neither leasing nor are in an arrangement to purchase electricity generated by a system you do not own),
  • The solar PV system is new or being used for the first time. The credit can only be claimed on the “original installation” of the solar equipment.

Get a quote and compare review ratings from some of the best solar companies in Florida :

https://www.energysage.com/local-data/solar-companies/fl/

Solar power systems in Florida are exempt from property tax and sales tax. The Solar System Property Tax Exemption is also available and you can exclude the added value of a solar system from the valuation of your property for taxation purposes. Florida provides a 100%  property tax exemption for residential renewable energy property and an 80% property tax abatement for non-residential renewable energy property.

Residential Property Assessed Clean Energy or R-PACE offers financial help to homeowners for energy efficiency improvements, water conservation, renewable energy generation, and resiliency upgrades. PACE loans can finance not just solar systems, but most energy efficiency upgrades, as well. Property owners pay back the financing for PACE improvements through a special assessment that is added to their property tax bill each year and it doesn’t include prepayment fees. The interest rates vary from 6-9% and they require no down payment and they are available to homeowners with lower credit scores. For more information on these funds call (850) 400-PACE or email [email protected].

There are plenty of local incentives in Florida you can use if you are planning on going solar. The Dunedin Solar Energy Grant Program offers rebates for installing solar to homeowners and businesses of the city of Dunedin. This grant offers $0,25.00 per watt of solar power installed for a maximum amount of $2,500.00. Solar permits must have been applied for, issued, inspected, and completed before applying. If you want to apply, this year’s funding has been exhausted, but next year is available after October 2021. You can start by filling out this form:

https://www.dunedingov.com/home/showdocument?id=13469 and also a W-9 Form https://www.irs.gov/pub/irs-pdf/fw9.pdf. For more information on this program call 727-298-3215  x1324 or email [email protected].

The City of St. Petersburg is also committed to increasing the usage and production of solar energy in order to promote a clean, sustainable energy source and reduce gas emissions. The Solar and Energy Solar Fund or SELF is a non-profit organization that offers loans, project management, and a list of approved contractors for all Florida homeowners applicants. These funds may be used for projects that will lower their utility bills and improve their quality of life. These loans vary for each homeowner and each project, and they include interest rates from  5-9.5%. For more information, call 727-315-3223 or email [email protected].

St. Petersburg residents can be informed on solar energy and how it can be financed by a non-profit organization called Solar United Neighbors or SUN. They also arrange group solar installations or Solar Co-Ops for a discounted price.

How can I get a debt grant?

Although getting a grant that will cover your debt is not available, there are still several other options in Florida to consolidate your debts. While the government does not typically provide debt grants, it does offer a variety of programs that can assist consumers who are struggling with their finances or overwhelmed with credit card debts. Many credit counselors offer debt consolidation programs that can lower the interest rate on your outstanding debts, like high-interest credit card debts. Another option at your disposal is the debt consolidation loans where a debt consolidation lender pays off your debts and all you are left with is one single payment for this new loan. The third option is debt settlement in which a debt negotiator works out a settlement with your creditors. 

If you’re facing unmanageable debt, a Debt Management Program might be the answer. This program helps you pay off your debt to multiple creditors with a single, comfortable monthly payment. When you sign for this kind of program at any of the available agencies, they negotiate better terms for you from each of your creditors. The payment then goes to your chosen agency and they distribute those funds on your behalf. A debt management plan is not a loan, but an agreement between debt management companies and creditors on your behalf. Although this is NOT a grant, you still save money in interest and fees. Before you agree to a debt management plan, it is advisable to get help from a credit counseling organization. Debt Management Plans usually last from 36 to 60 months. 

Another financial strategy to pay off your debts is through a Debt Consolidation Loan. This means getting a loan to pay off all of your debts and then make single monthly payments to your lender. The advantages are that debt consolidation loans usually carry a lower interest rate, and these loans usually take 2 to 5 years to repay, depending on the amount. The loans can be secured by a home, car, or property or unsecured.

Debt Settlement is your third option, in which a debt negotiator works out a settlement with your creditor. This settlement reduces your existing loan principles and credit card balances by a substantial margin. This option is a prime alternative to bankruptcy. 

If you are having credit card debts, you can use a Balance Transfer Credit Card. This type of card typically comes with a promotional, low, or zero percent interest rate, which lasts usually 12-18, but in some cases could go for 24 months.

Are there homeowner grants for bills?

Low-income people in Florida can receive financial assistance for paying for food, utility bills, and medical bills. The Low-Income Home Energy Assistance Program or LIHEAP is a federally-funded program that helps low-income households with their home energy bills. Finding your local agency and submitting an online application is the first step if you are interested in this program. 

http://www.floridajobs.org/community-planning-and-development/community-services/low-income-home-energy-assistance-program/find-your-local-low-income-home-energy-assistance-program-provider-for-help.

Florida’s Emergency Home Energy Assistance for the Elderly Program or EHEAP helps low-income households, with at least one person age 60 and older, when the households are experiencing a home energy emergency and are unable to pay their FPL bill. You are eligible for this program if your gross household annual income equals to or less than 150% of the federal poverty guidelines.

The Care to Share Program offers help to individuals and families who are experiencing temporary financial difficulties, by providing emergency bill payment assistance to eligible customers. Customers may receive the help of up to $500.00 for electric service once a year.

The Florida Temporary Assistance for Needy Families or TANF program is designed to help needy families achieve self-sufficiency. To be eligible for Florida TANF, you must be a resident of Florida, and a U.S. citizen, be unemployed or underemployed and have low or very low income, and also have a child 18 years of age or younger or be pregnant. 

The City of Homestead CDBG Mortgage Rent & Utilities Assistance Grant Program is also offering financial aid for a mortgage, rent, and utility assistance. This program will provide emergency assistance to households within the incorporated City of Homestead experiencing financial hardships as a result of the COVID-19 crisis. Eligible households may receive up to $6,000.00 or up to 6 months of assistance to address back-mortgage, rent, and utilities. You can get more information on this program and submit an application at the link below:

https://homesteadfl.seamlessdocs.com/f/4ovjedhbcghg/

Households that meet low-income guidelines or receive public benefits, may enroll in the LifeLine program, where they may apply for discounts on their cellular or home telephone bills. This program is available in every state, to low-income service users with a household income of 135% of the Federal Poverty Guidelines. The LifeLine Program provides a discount of up to $9.25 a month.

Are there tax grants for homeowners?

Although there are no actual tax grants for homeowners in Florida, there are plenty of homeowner tax deductions available that can add up to big tax savings if you itemize your 2020 income tax return. You are eligible for reduced property taxes if you meet one of the eligibility requirements: 

  • the house is your primary residence,
  • if you construct living quarters in your home for a parent or grandparent who is at least 62 years old,
  • if you were deployed in U.S. military service during the tax year, 
  • if you’re blind, need a wheelchair for mobility, or are totally and permanently disabled.

If you are 65 years old or older and have had a permanent Florida residency for at least 25 years, you might be entitled to a 100% exemption. You also must meet low-income criteria for this exemption and your home must be worth less than $250,000.00. 

How can I get a grant to repair my home?

Home repair grants are available to very low and low-income people, families with children, senior citizens, veterans, and disabled people. If you are in need of an emergency modification in your home to remove life-threatening health or safety conditions, as well as addressing code violations and you meet the required criteria then these funds are available. Reaching out to federal, state and county agencies that administer grant and loan programs is your first step. For convenience, search and apply for Florida home repair grants online. One very important factor when applying is being informed on time since most of them operate on a first comes first-served basis. There is more than one place where you can get informed and apply for these funds.

You can start by visiting the Florida Department of Economic Opportunity. This department administers the Community Development Block Grant Program, which is a federal program that provides funding for housing and community development activities. If your total household income is at or below 80 percent of the area’s median income, you are eligible for this financial aid. 

The Affiliate Support Habitat for Humanity of Florida is a separately incorporated non-profit organization supporting the work of Habitat for Humanity’s affiliates in the state of Florida. This non-profit organization can also help you in your home modification by providing you volunteer labor and low-cost donated materials. They offer home repair services to homeowners so they can continue to live in safe, decent homes for years to come. Some of their home repair work includes painting, landscaping, weatherization, and minor repair services to preserve home exteriors and revitalize neighborhoods. You can start by finding your local Habitat for Humanity organization: https://www.habitat.org/local/affiliate-by-state?state=FL

If you live in a rural area, The United States Department of Agriculture can help you through their Single Family Housing Repair Loans & Grants Program or Section 504. Grants up to $7,500.00 are available to senior citizens of age at and above 62 whose household income is below 50% of the area median income. You can start by contacting your local office: 

https://offices.sc.egov.usda.gov/locator/app?service=page/CountyMap&state=FL&stateName=Florida&stateCode=12

If you are in need of weather-related repairs and you need funds to make your home more energy-efficient, you can apply for the Florida Weatherization Program. This program is funded by the Department of Energy. To qualify, applicants must be below 50% of the national poverty line, with a preference for applicants over 62, with disabilities, or with children under the age of 12. You can start your application by contacting your local office:

http://floridajobs.org/community-planning-and-development/community-services/weatherization-assistance-program/contact-your-local-weatherization-office-for-help

How can I get a grant for windows?

The cost of repairing and replacing your windows can be covered by grants from the Florida Weatherization Assistance program. This program is administered by local non-profit organizations and government entities and it is available to both homeowners, rental property owners, and renters. To be eligible for this program, your household income must be at or below 60% of the state median income. You can apply by contacting your local agency and submitting an application, after which an energy audit is conducted. 

http://floridajobs.org/community-planning-and-development/community-services/weatherization-assistance-program/contact-your-local-weatherization-office-for-help

The Florida PACE Funding Agency is available in many counties in Florida and you can check the link below if yours is included. The Residential Property Assessed Clean Energy or R-Paced offers financing to cover 100% of your costs for energy efficiency improvements, including window repair and replacement. Property owners pay back the financing for PACE improvements through a special assessment that is added to their property tax bill each year. The interest rates vary from 6-9% and they require no down payment and they are available to homeowners with lower credit scores. For more information on these funds call (850) 400-PACE or email [email protected]

Getting help for repairing or replacing your windows is also possible by using funds from various organizations within your city or county. If you live in a rural area you can apply for the Single Family Housing Repair Loans and Grants or Section 504. This program offers 1% interest loans to low-income homeowners and grants up to $7,500.00 to low-income people over 62.

If your property is located in Gainesville, the Housing Rehabilitation Program or HRP can provide you with a 0% interest loan to repair or replace your windows. You can also do this in the city of Melbourne by applying to their Homeowner Housing Rehabilitation Program. If your property is located in Panama City, you may apply for the Owner-Occupied Rehabilitation Program. These funds may be used in repairing major structural issues, including window repair and replacing.

The City of Palm Bay offers several grants and loan programs that benefit very low to moderate-income residents of Palm Bay. Home repair assistance up to $40,000.00 is given to homeowners whose taxes and mortgages are current, and have a household income of 80% of the area median income as defined by the Florida Housing Finance Corporation. The City of Hollywood in Florida also offers a Housing Rehabilitation Program for the installation of emergency windows where a home rehabilitation loan is secured by a mortgage and promissory note prepared by the City. Desoto County also provides funds for home repairs and modifications through its State Housing Initiative Partnership and the Community Development Block Grant Program. The City of Pinellas Park offers a Home Improvements Matching Reimbursement Grant Program to assist qualifying Pinellas Park homeowners with financial assistance for home improvements needed at their primary residence. These funds may be used for structural repairs, weatherization, and insulation. Repairing and replacing windows is also included in Category 2 – Structural repairs in the Single Family Rehabilitation Program by the City of North Miami. Get properly informed of the programs you can use and start gathering the required documents. 

All home improvement grants and loans funds may be used in repairing and replacing windows. Home improvement programs are available in every city in Florida, and they all provide complete or partial financial aid to eligible homeowners, renters, and landlords. Start by using the free website www.grants.gov and get the financial aid you need. 

How can I get a grant for new flooring?

A home improvement flooring project is a complex and expensive project. Whatever your home flooring style, you’re sure to face a repair or replacement project if you live in your home for a long time or have moved into an older property. Luckily, low and moderate-income homeowners can reach their local government or visit their government official site and apply for a home improvement grant. These grants offer partial or complete financial aid to eligible homeowners, and they can be used for health and safety issues, as well as emergency repairs. 

Getting help for repairing or replacing your flooring is also possible by using funds from various organizations within your city or county. If you live in a rural area you can apply for the Single Family Housing Repair Loans and Grants or Section 504. This program offers 1% interest loans to low-income homeowners and grants up to $7,500.00 to low-income people over 62.

If your property is located in Gainesville, the Housing Rehabilitation Program or HRP can provide you with a 0% interest loan to repair or replace your flooring. You can also do this in the city of Melbourne by applying to their Homeowner Housing Rehabilitation Program. If your property is located in Panama City, you may apply for the Owner-Occupied Rehabilitation Program. These funds may be used in repairing major structural issues, including foundation and flooring repair and replacing.

The City of Palm Bay offers several grants and loan programs that benefit very low to moderate-income residents of Palm Bay. Home repair assistance up to $40,000.00 is given to homeowners whose taxes and mortgages are current, and have a household income of 80% of the area median income as defined by the Florida Housing Finance Corporation. The City of Hollywood in Florida also offers a Housing Rehabilitation Program for foundation repairs and repairs to floors where a home rehabilitation loan is secured by a mortgage and promissory note prepared by the City. Desoto County also provides funds for home repairs and modifications through its State Housing Initiative Partnership and the Community Development Block Grant Program. The City of Pinellas Park offers a Home Improvements Matching Reimbursement Grant Program to assist qualifying Pinellas Park homeowners with financial assistance for home improvements needed at their primary residence. These funds may be used for structural repairs. Repairing foundation and floors are also included in Category 2 – Structural repairs in the Single Family Rehabilitation Program by the City of North Miami. 

All home improvement grants and loans funds may be used in repairing foundations and replacing floors. Home improvement programs are available in every city in Florida, and they all provide complete or partial financial aid to eligible homeowners, renters, and landlords. Start by using the free website www.grants.gov and get the financial aid you need. 

Are there grants for the elderly?

The state of Florida is divided into 11 planning and services areas. Each has a designated Area Agency on Aging, also called an Aging and Disability Resource Center or ADRC, which is administered by the Florida Department of Elder Affairs. This department runs several programs that help senior citizens in their everyday life. These programs offer financial help and volunteer labor for home modifications, transportation, company, adult daycare, counseling, medical care, and bills, etc. To receive assistance from local services, one must be at least 60 years of age, be a legal resident of Florida, and live in the geographic area served by the Aging and Disability Resource Center agency offering assistance. Income is not considered an eligibility factor but may be considered when prioritizing to whom to assist. 

The Emergency Home Energy Assistance for the Elderly Program or EHEAP assists low-income households, with at least one person age 60 and older, when the households are experiencing a home energy emergency. Eligible households may be provided one benefit per season, up to $1,000.00 per season. Utility and cooling bill assistance can also be provided from EHEAP. Any household that has at least one member over 60 years of age, who is facing a crisis, and who meets income guidelines may qualify for financial assistance for paying their energy bills.

Getting financial help for home improvement projects is also possible by using funds from various organizations within your city or county. If you live in a rural area you can apply for the Single Family Housing Repair Loans and Grants or Section 504. This program offers 1% interest loans to low-income homeowners and grants up to $7,500.00 to low-income people over 62. You can also use a combination of a loan and grant and get up to $27,500.00.

The U.S. Department of Housing and Urban Development provides help to low-income Florida residents through Public Housing and Housing Choice Vouchers. Commonly referred to as Section 8 housing, these vouchers allow landlords to rent apartments to low-income seniors at a reduced rate. 

The City of North Miami offers an Elderly Emergency Repair Grant to its senior residents. These funds may be used in interior and exterior repairs, including doors, windows, roofs, electrical repairs, plumbing repairs, ramps, handrails, etc. This program provides a one-time emergency repair assistance grant of up to $6,000.00 for single-family owner-occupied households.

Are there grants for low income homeowners?

Low-income homeowners can rely on federal, state, and local grants and loans to improve their living conditions and remove hazards from their homes. You can start by contacting or visiting one of the two U.S. Department of Housing and Urban Development in Miami and Jacksonville.

https://www.hud.gov/states/florida/offices

The State Housing Initiative Partnership or SHIP is a program administered by the Florida Housing Finance Corporation that provides help to very low, low, and moderate-income families.

SHIP funds are distributed on an entitlement basis to all 67 counties and 52 Community Development Block Grant entitlement cities in Florida. You can get more information on this program at your county or city SHIP’s office at the link below: 

https://www.floridahousing.org/programs/special-programs/ship—state-housing-initiatives-partnership-program/local-government-information

The Habitat for Humanity offers assistance in home repairs to homeowners so they can continue to live in safe, decent homes including painting, landscaping, weatherization, and minor repair services to preserve home exteriors and revitalize neighborhoods. They use volunteers and donated materials to lower your costs. For more information, contact your local Habitat for Humanity office at this link: https://www.habitat.org/local/affiliate-by-state?state=FL

The city of Gainesville offers home improvement grants to eligible low and moderately low-income families for repairing health and safety issues. These funds may be used in electrical and plumbing problems, installation of new windows, roof and HVAC systems, removal of lead paint, etc. Their Housing Rehabilitation Program or HRP is available to homeowners within the city limits of the City of Gainesville whose tax assessed, sales price, or appraised value of their home may not exceed $258,690.00. To be eligible for this program, you must meet certain criteria such as:

  • You own and occupy the home, and it is your primary residence, 
  • You must have owned and occupied your property for at least 5 years prior to submitting an application for assistance,
  • You are current on your property taxes, mortgage, and insurance,
  • You must attend a mandatory Homeowner Education & Training Workshop,
  • Your household Annual Gross Income must not exceed current income limits.

These funds may be used for repairs such as structural, roof, electrical, plumbing, heating, and accessibility repairs. A 10-year, 0% interest due-on-sale mortgage and note is notarized and recorded in the Alachua County public records for the total amount of the repair assistance awarded to the homeowner. The lien will be fully forgiven after 10 years if all program conditions are met. For more information on this program call the Housing & Community Development Division at  352-334-5026 or email  [email protected].

If your property is located in the city of Melbourne you may get financial aid in the form of a deferred payment loan from the home improvement programs they offer. The Homeowner Housing Rehabilitation Program is funded by the HOME Investment Partnership Program and the State Housing Initiatives Partnership (SHIP) Program. The maximum amount of this grant is $60,000.00 According to their official site, to apply for this program you must meet certain criteria such as:

  • You own the property and it is your primary residence,
  • You meet the income criteria using the U.S. Department of H.U.D. Income Limits,
  • Make a minimum financial contribution equal to $1.00 for every $20.00 of assistance if household income is low or $1.00 for every $40.00 of assistance if household income is very low. Extremely low income households are exempt,
  • Assistance cannot cause the applicant to exceed the $75,000.00 lifetime City housing assistance cap.

For more information, contact the Housing and Urban Improvement Division: 321-674-5734 or [email protected].

If your home doesn’t qualify for this program, you may apply to the Homeowner Housing Reconstruction Assistance Program, where maximum assistance of $75,000.00 is given to homeowners for the complete construction of a new home on site.

If your property is located in Panama City, you may apply for the Owner-Occupied Rehabilitation Program. These funds may be used in repairing major structural issues, including damaged roofs, bad electrical wiring, plumbing problems, etc. This program is available to applicants that meet the following criteria:

  • All applicants must be very low-, low- to moderate-income, earning less than 120% of the area median income for the household size,
  • Complete and provide documentation of all income, assets, household size, etc. for compliance with State and Federal requirements,
  • Applicants are current on their taxes and insurances,
  • Applicants must provide proof of homeownership to participate in the program.

The City of Palm Bay offers several grants and loan programs that benefit very low to moderate-income residents of Palm Bay. Home repair assistance up to $40,000.00 is given to homeowners whose taxes and mortgages are current, and have a household income of 80% of the area median income as defined by the Florida Housing Finance Corporation. The city of Palm Bay also receives funding through the Community Development Grant Program or CDGP, the Home Investment Partnership Program or HOME, and the State Housing Initiatives Partnership or SHIP. 

The City of Hollywood in Florida also offers a Housing Rehabilitation Program where a home rehabilitation loan is secured by a mortgage and promissory note prepared by the City. These funds may be used in repairs such as installation of emergency windows, doors, and smoke detectors, installation of wheelchair ramps and grab bars, roof structural repairs, foundation repairs, repairs to chimneys, floors, electrical repairs, plumbing repairs, etc. If you need such a program, call (954) 924-2952 for more information.  

Desoto County also provides funds for home repairs and modifications through its State Housing Initiative Partnership and the Community Development Block Grant Program. Items eligible for repair include roofs, heating systems, plumbing, electrical, and other code-related housing systems. You can get more information on (863) 993-4858 or apply in person at DeSoto County Social Services Department 201 E. Oak Street, Suite 202 Arcadia, FL 34266.

Single-family homes located in unincorporated Escambia County are eligible for the Escambia County’s Housing Rehabilitation Program. This program uses funds from the Community Development Block Grant Program. To be eligible for this program, you also must meet certain criteria such as:

  • You are current on your property taxes, mortgage, and insurance,
  • You are an owner-occupant of the house,
  • You have a total gross family income that does not exceed 80 percent of the area median income for Escambia County adjusted for family size.

If you meet these criteria, you are also eligible for the HOME Substantial Rehabilitation /Reconstruction Program

The Escambia County Community Development Agency also administers the Residential Rehab Grant Program which provides matching grant funds up to $6,000.00 to homeowners for eligible improvements to residential property located within Escambia County’s designated redevelopment districts. These funds may be used for repairs including electrical rewiring, new HVAC installation, new roof installation, replacement of windows, sewer connection, etc. According to their official website, the eligibility requirements for this program are:

  • Property must be located in an Escambia County designated redevelopment district,
  • Property must be zoned residential and used for residential purposes
  • The application must be signed by the property owner
  • Property must not have outstanding judgment liens, code violations, and/or delinquent taxes
  • Applicants must be able to provide 100 percent of project costs upfront. The applicant will be reimbursed 50 percent of total eligible project costs, up to $6,000, at project completion
  • The project must have been approved and a Notice to Proceed issued by the Community Redevelopment Agency prior to commencement.

If you are in need of such a program and you meet the required criteria, email your application to [email protected]

https://myescambia.com/docs/default-source/neighborhood-human-services/community-redevelopment-agency/cra-res-rehab-application-pkt.pdf?sfvrsn=5ac7526d_8

If you own a home within Sarasota County, you may be eligible for a zero percent deferred loan to repair your home. You can use these funds for emergency repairs, and addressing code violations, such as roof repair, plumbing, and electrical repairs, air conditioning repair, etc. Loans may be used to repair single-family homes, and you (the homeowner) must live in the home and have an income at or below 80 percent of the Sarasota Median Income.

Clay County also offers home improvement funds, through its Owner Occupied Rehabilitation Program. This program offers eligible homeowners up to $25,000.00 in deferred loans and other assistance. To be eligible for this program you must meet certain criteria:

  • You must reside in Clay County outside of the Moorhead city limits, 
  • You must own the home and live in it,
  • You need to be income qualified,
  • The home repairs need to be beyond basic maintenance,
  • A portion of the deferred loan may be forgiven.

This county also offers the Rehabilitation Loan Program and provides 0% interest deferred loans from $1,000.00 to $27,000.00.

The State Housing Initiatives Partnership Program or SHIP also provides funds in Citrus County for low-income families. Their Emergency Home Repair Program will provide home repair assistance for qualified families facing acute emergencies. Eligible repairs include re-roofs, electrical repairs, plumbing repairs, and heating/cooling replacement or repair. Home Repair Low Income Families is another one of their programs that provides rehabilitation repairs to correct serious structural and/or health and safety-related issues. According to their official website, eligible repairs include repair of, or provision for, structural supports and foundations, repair or replacement of electrical wiring, roof, heating and/or cooling system, sanitary water and waste disposal systems, alteration of the units interior or exterior to provide greater accessibility for any disabled family members, and repair of seriously deteriorated siding, porches, or stoops. 

The City of Pinellas Park offers a Home Improvements Matching Reimbursement Grant Program to assist qualifying Pinellas Park homeowners with financial assistance for home improvements needed at their primary residence. Financial assistance is available for eligible applicants to address health, safety, and welfare issues on their residential property. These funds may be used for structural repairs, weatherization, and insulation, roof replacement, and repair, window replacements, door repairs, etc. The maximum grant award for a project to an eligible applicant is $7,500.00. The eligibility requirements for this program are:

  •  Applicants must own and occupy the property as their primary residence,
  • The property must be located within the City of Pinellas Park,
  • Applicants are current on all debt secured against the property,
  • the property’s tax assessed value cannot exceed $200,000.

The Miami-Dade County also administers two home rehabilitation programs. The Housing Rehabilitation Program offers a forgivable loan to help low-income qualified single-family homeowners make repairs. Repairs are prioritized to eliminate health and safety issues, correct code violations, make the home more energy-efficient and make improvements. Types of repairs include roofing, plumbing, heating, and electrical. Single-Family Home Rehabilitation is another program that can help limited-income residents with home repairs. The program includes the services of a housing inspector for applicants who have received a house rehabilitation loan through Miami-Dade County’s Public Housing and Community Development. These funds may be used in repairs such as drafty windows, outdated plumbing, heating systems or wiring, weathered roofs, and worn siding. For more information or to apply for these two programs, call 786-469-4730.

The City of North Miami uses many federal funds for its home improvement programs. The Single Family Rehabilitation offers financial aid to homeowners whose household income is at or below 80% of the area median income. Income eligible households are offered financing in the form of a forgivable deferred loan during the affordability period of seven years for the CDBG and SHIP programs and up to 15 years for the HOME Program. The maximum amount of these funds is $10,000.00 for Category 1 – Beautification repairs, including exterior painting, gutters, shutters, soffits, repaving of the driveway, etc. The maximum amount of these funds is $20,000.00 for Category 2 – Structural repairs, including roofs, windows, and doors. These programs are available only to residents of the City of North Miami, with a priority given to seniors and disabled people.

The Pasco County Community Development Department provides financial aid in the form of a zero-interest loan recorded as a mortgage on your property. This program is available countywide, including the six cities, to single-family homes, villas, condominiums, and townhomes. This program is for homeowners that need help funding major repairs on their homes. Eligible applicants must have incomes that are under 120% of the area median income  Eligible repairs are limited to leaking or failed roof systems, failing or lacking plumbing, poor or hazardous electrical systems, failed structural systems such as walls, and floors, window repair, and replacement, etc. These funds are provided by the U.S. Department of Housing and Urban Development (HUD) and The State Housing Initiative Partnership (SHIP). If you are interested and eligible for this program, start by applying on the following link:

https://www.pascocountyfl.net/DocumentCenter/View/54299/Owner-Occupied-Rehab-App

Sumter County can offer you help through its Emergency Home Repair Assistance Program for emergency repairs including septic system repair or replacement, roof replacement, well repair or replacement, HVAC system repair, etc. According to their official website, the maximum award for assistance is $15,000.00 Assistance shall be in the form of a zero percent interest loan secured by a recorded mortgage and promissory note with monthly payments required unless the cost is $1,500.00 or less, then it will be in the form of a forgivable loan.

Home repair grants and loans are also available in Orange County. The Housing Rehabilitation program assists qualified homeowners with repairs to eliminate existing life, safety, health, and code violations. To be eligible homeowners must have owned and lived in the home for a minimum of one year and meet very low-income guidelines. For more information call (407) 836-5150 or email [email protected]

Residents of Titusville can also receive financial help through the Housing Rehabilitation Assistance Program. You can use the form below to apply for this program:

https://www.titusville.com/FormCenter/Community-Development-7/Housing-Rehabilitation-Assistance-Applic-53.

Residents of New Port Richey can also use the Home Improvement Reimbursement Grant Program for their emergency home modifications. This program subsidizes improvements to the exterior of homes and may be used in repairs such as driveways, roofs, gutters, windows, exterior painting, exterior doors, porches, fences, etc. The maximum grant amount is $10,000.00 and you may submit more than one application, as long as your total reimbursement request does not exceed $10,000.00. Home Improvement Reimbursement Grants cover 50% of the cost of materials and/or labor completed by a licensed contractor. In order to be eligible for this program, you must meet certain criteria, such as:

  • your property must be located within the New Port Richey City Limits,
  • The assessed value of your home can be no more than $100,000 according to the Pasco County Property Appraiser,
  • Your total household income must not exceed 120% of Pasco County Area Median Income,
  • You must be current on your property taxes, mortgage, and insurance,

You can use the form below to apply for this program:

https://3adxj44d1tf4346fm63cyw9m-wpengine.netdna-ssl.com/wp-content/uploads/2018/02/Home-Improvement-Reimbursement-Grant-Application-4.10.17.pdf

What are the easiest homeowner grants to get?

If you meet all the required criteria, and you apply with all the necessary documents within the given deadline, then every grant can be “easy to get”. Homeowners in Florida can receive help to make improvements to their property, but these funds are not for anyone and anything. Grants for homeowners are intended to help low and moderate-income people, low income families with children, senior citizens, veterans, and disabled people. There are plenty of federal and state programs, as well as non-profit organizations and charities that offer financial and any other help for improving house conditions and providing emergency repair to improve safety and health hazards. These grants and loans require certain income eligibility and usually work on a first-come, first-served basis. If you meet all of that, you may apply and receive every one of these grants.

Can I get a grant to renovate my house?

House renovation grants are available to applicants but ONLY if you are in need of an emergency modification in your home to remove life-threatening health or safety conditions, as well as addressing code violations and you meet the required criteria then these funds are available. Very low and low-income people, families with children, seniors, veterans, and people with disabilities are usually eligible to receive these funds. You can also apply for disaster relief grants if your house is damaged by natural disasters, such as hurricanes, earthquakes, and floods.

The United States Department of Housing and Urban Development or HUD, as well as other entities, such as the Federal Housing Administration or FHA, and nonprofit groups, provide these home improvement grants. The HOME Investment Partnership Program, as well as the Community Development Block Grant Program, provide funds to state and local governments and these funds may assist you in buying your first home, repairing your home, or improving your home. Make sure you are properly informed on all the income, age, and location criteria before you apply. It is also very important to have all the documents required and to apply within the given deadline. Reaching out to federal, state and county agencies that administer grant and loan programs is your first step. For convenience, search and apply for Florida home repair grants online. One very important factor when applying is being informed on time since most of them operate on a first comes first-served basis. There is more than one place where you can get informed and apply for these funds.

Can I get a grant to repair my roof?

Repairing or replacing roofs is an expensive cost, but leaking and damaged roofs can present a hazard for you and your family. There are several options in which you can get financial aid from federal and state agencies for a complete or partial replacement and repair.

The Florida PACE Funding Agency is available in many counties in Florida and you can check the link below if yours is included. The Residential Property Assessed Clean Energy or R-Paced offers financing to cover 100% of your costs for energy efficiency improvements, including roof repair and replacement. Property owners pay back the financing for PACE improvements through a special assessment that is added to their property tax bill each year. The interest rates vary from 6-9% and they require no down payment and they are available to homeowners with lower credit scores. For more information on these funds call (850) 400-PACE or email [email protected]

A Roof Repair Program is available in the city of Gainesville, administered by the Housing & Community Development Division. This program provides help to properties whose tax assessed, sales price, or appraised value doesn’t exceed $258,690.00. This program offers funds to very low and low income homeowners within the city limits of Gainesville that meet the required criteria:

  • They own and occupy the property and it is their primary residence,
  • They are current on their taxes, mortgages, and insurance,
  • The property has not previously received roof repair assistance,
  • They attend a mandatory Homeowner Education & Training Workshop,
  •  The household Annual Gross Income must not exceed current income limits.

A 10-year, 0% interest due-on-sale mortgage and note is notarized and recorded in the Alachua County public records for the total amount of the repair assistance awarded to the homeowner. The lien will be fully forgiven after 10 years if all program conditions are met. For more information on this program call the Housing & Community Development Division at  352-334-5026 or email  [email protected].

A Roof Repair Program is also available for people living in the city of Orlando or the incorporated Orange County. For applying for this program, you have to take a pre-application survey and fill out a Re-Roofing Program Applicant Questionnaire 2021. 

https://forms.office.com/Pages/ResponsePage.aspx?id=9KYfUQPl9ECq_ETZxhpwIg7682b5V9RPoawOOYcV33dUOFpMNVhIU0VINFdCSERTSk9LNFZFR09HQS4u&wdLOR=c8F87F688-18E7-4856-941B-1E196D3637A7

How do I apply for a federal home repair grant?

There are several places you can find available home improvement grants. To search or apply for grants, use the free, official website, Grants.gov. First, you have to register an account on this site. Then, you can search their site for their available grants and submit an application.  

Besides meeting the required criteria and applying within the deadline, it is very important to have all the necessary documents. For example, the U.S. Department of Housing and Urban Development or HUD provides all kinds of housing support and helps communities. If you live in a rural area, then you might be interested in The Very Low-Income Housing Repair Program – Section 504. Applicants interested in applying for a repair loan or grant can contact their local Rural Development office and provide the following documentation:

The applications are accepted year-round and their approval time depends on funding availability in your area. 

How does HUD mortgage assistance work?

The U.S. Department of Housing and Urban Development (HUD) supports a network of housing counseling agencies throughout the country. These agencies provide advice on buying a home, renting, defaults, foreclosures, and credit issues. Your options may include a repayment plan, loan modification, short sale, or Deed-In-Lieu of foreclosure. 

The approved housing agencies in Florida can be found at their site  https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm?webListAction=search&searchstate=fl.

The Department of Housing and Urban Development (HUD) also funds an Emergency Homeowners Loan Program or EHLP, that provides mortgage help and loans to those homeowners who may be facing foreclosure due to a drop in household income from a job loss, underemployment, or reduction in working hours, involuntary unemployment, or a medical condition or emergency. 

To qualify for this program you must fit certain criteria such as:

  • You must be at least three months behind on their monthly mortgage payment,
  • The home involved must be your primary residence,
  • You must have demonstrated a timely payment record on their mortgage before the job loss or medical condition or event that produced the reduction of income for the homeowner.

If you are struggling to make your mortgage payment on your FHA-insured mortgage because of the impacts of COVID-19, you might get help from the Special COVID-19 mortgage relief for homeowners with FHA-insured single-family mortgages. Your mortgage servicer is required to offer you a mortgage payment forbearance, which allows you to reduce or pause making payments for six months, with the option to extend for an additional six months if needed. You must request a COVID-19 Forbearance from your mortgage servicer by June 30, 2021, and no extra fees, penalties, or interest will be added to your account. If you can resume making your payments, FHA’s COVID-19 Standalone Partial Claim takes your past due amounts and puts them in a subordinate lien to be repaid later. You will only repay this lien when your mortgage ends, which, for most borrowers, is when you sell your home or refinance your mortgage.

Is the mortgage relief program legit?

Fannie Mae’s HIRO program and Freddie Mac’s Enhanced Relief Refinance or FMERR are the only active relief programs today. They provide mortgage incentives by replacing your existing loan with a new loan that has a lower interest rate and more affordable payments.

Fannie Mae’s HIRO program can be used only by homeowners whose mortgages are currently owned by Fannie Mae. This program allows homeowners to refinance with no equity or an underwater loan. If your home has lost value since you bought it and you don’t have enough equity to do regular refinance, then this is a great option. You can’t apply to this program if you previously used the Home Affordable Refinance Program or HARP, which was a similar project by Fannie Mae that expired.

Freddie Mac’s Enhanced Relief Refinance program can be used for existing fixed-rate mortgages and adjustable-rate mortgages. This program is intended to refinance into a more sustainable mortgage that promotes long-term homeownership success, to reduce the monthly principal and interest payment of your first Lien Mortgage, as well as if you are interested in potentially reducing principal and interest payment. Freddie Mac’s Enhanced Relief Refinance program is only available to homeowners whose mortgages are currently owned by Freddie Mac.

Is there a grant for rewiring a house?

A home electrical wiring is an expensive cost and you may be eligible for a grant partially or fully covering the cost. There are several options in which you can get financial aid from federal and state agencies for a complete or partial rewiring of your house. Florida home improvement grants and zero-interest loans are available to low-income homeowners to reduce the cost of their emergency repairs that present safety and health hazards, including problems with the electrical system. These grants are usually administered at a local level by governments and agencies.

If you live in a rural area, you may use funds from the Single Family Housing Repair Loans and Grants or Section 504. The grants from this program are only available to low income senior citizens age 62 and above, but 1% interest loans are available to all low income homeowners. Electrical problems can also be covered by the Housing Rehabilitation Program for residents of the city of Gainesville. If your property is located in the city of Melbourne you may get financial aid in the form of a deferred payment loan from the Homeowner Housing Rehabilitation Program. Funding for addressing bad electrical wiring may be used through the Owner-Occupied Rehabilitation Program if your property is located in Panama City. The City of Hollywood in Florida also offers a Housing Rehabilitation Program where a home rehabilitation loan is secured by a mortgage and promissory note prepared by the City. Electrical and other code-related housing systems can be covered by the Housing Rehabilitation Program in the city of Hollywood. If you own a home within Sarasota County, you may be eligible for a zero percent deferred loan for electrical repairs.

What is the Emergency Mortgage Assistance Program?

These last two years have been hard on people due to the Covid-19 crisis. People have lost their jobs or their working hours have been lowered, which is why programs that provide mortgage assistance and bills assistance are available.

Thanks to a HUD grant, an Emergency Mortgage Assistance Program is available to homeowners in North Miami who have experienced unemployment or underemployment and are behind in their payments as a result of Covid-19. You are eligible for this program if your mortgage is not past due more than four months from application day you may receive assistance up to $5,000.00 and not exceed six months of mortgage payments. Available assistance includes late mortgage payments, late fees, and Principal Interest Tax Insurance or PITI to prevent foreclosure.

https://www.northmiamifl.gov/DocumentCenter/View/10624/EMAP-Application

What is a request for mortgage assistance?

A Request for Mortgage Assistance or RMA is the application you have to fill out to be considered for a mortgage loan modification. With a mortgage modification, you can permanently change one or more terms of your mortgage loan. This includes getting a lower interest rate, some or all late fees may be waived or reduced, your interest rate may be changed from an adjustable-rate loan to a fixed rate, the months or years the homeowner has to repay the loan may be lengthened, total loan principal may be reduced, as well as your second mortgage or equity loan could be waived.

https://www.hmpadmin.com/portal/programs/docs/hamp_borrower/rma_english_sd1110.pdf

This form requires detailed information about the borrower’s current financial situation. The information provided will allow the mortgage lender to determine the filer’s eligibility for mortgage assistance. This form includes your current income, debts, expenses, employment, bankruptcies, and other issues that will help the lender determine if you are eligible for mortgage assistance. In the USA, modifications are made under the government’s Home Affordable Modification Program or HAMP.  

To qualify for this program you must fit certain criteria such as:

  • You are having trouble making your mortgage payments because of financial hardship,
  • You obtained your mortgage on or before January 1, 2009,
  • Your property has not been condemned,
  • You owe up to $728,750.00 on your primary residence or one to four-unit rental property.

Who can get a home improvement grant?

Low and moderate-income families, seniors, veterans, disabled people, people impacted by Covid 19, as well as people impacted by natural disasters such as hurricanes, earthquakes, and floods can get home improvement grants or no-interest loans. You can apply to these federal or state grants and loans, charities, community agencies, and nonprofit organizations and get the help you need. A big part of the eligibility to these programs is income. Assistance will usually be provided to families or individuals who are living in occupied single-family homes, or mobile homes and whose combined total household annual income does not exceed certain income thresholds. 

Grant programs are primarily directed at low-income families who might not be approved by a bank for funding. Eligibility requirements vary by the grant. For the most part, grants will have requirements depending on the homeowner’s income, their location, and the projects the money can be used on. To search or apply for grants, use the free, official website, Grants.gov. Determining your eligibility for federal grants is an important first step in the federal grant application process. 

0 0 votes
Article Rating
Subscribe
Notify of
guest
0 Comments
Inline Feedbacks
View all comments
en_USEnglish