Grants for Homeowners in Texas

How can I get a home improvement grant in Texas?

Every year, the United States of America provides economic aid out of the general federal revenue. There are over 900 grant programs divided into over 20 categories offered by the 26 federal grant-making agencies. Determining whether you are eligible to apply for and receive a federal grant is very important, so make sure you are properly informed about all available options. Getting the right information on time is essential in receiving these grants since most of them operate on a first comes first-served basis.

The Texas Department of Housing and Community Affairs or TDHCA is the main agency led by the state that is responsible for helping low-income people living in Texas. This department offers funds for affordable renting housing, homeownership, community, and energy assistance programs, as well as colonial activities. Larger cities in Texas can receive funding directly through HUD and are called entitlement areas. The smaller ones are called non-entitlement areas and they receive funds through the Texas Community Development Block Grants.   

If you live in a rural place, you can apply for the Texas Community Development Block Grant. Eligible applicants are non-entitlement cities under 50,000 in population and non-entitlement counties that have a non-metropolitan population under 200,000. These funds may be used in improving housing conditions for persons of low-to-moderate income. 

You can get more information by contacting the representative in your area. 

https://www.hud.gov/states/texas/community/cdbg.

USDA Rural Development in Texas administers the Single Family Housing Repair Loans and Grants Program or Section 504. Loans may be used in repairing and improving homes, as well as removing health and safety hazards. And grants must be used only for removing health and safety hazards. The maximum amount of the loan is $20,000.00 and the maximum amount of the grant is $7,500.00. There is also a combination of loans and grants available, with the maximum amount of $27,500.00. 

To qualify for these loans and grants you must meet certain criteria like:

  • You are the homeowner and occupant of the house,
  • You are not eligible for credit anywhere else,
  • Your family income is below 50% of the area median income,
  • And for grants, be of age 62 or older and not be able to repay a repair loan. 

USDA Rural Development in Texas also administers the Single Family Housing Direct Home Loan Program or Section 502 Direct Loan Program. This program offers aid to low and very low-income families to obtain safe and sanitary housing in eligible rural areas with a population of less than 35,000. This aid is given through assistance in payment that reduces the mortgage payment for a short time. To qualify, an applicant must meet the program’s income, credit, repayment, and other eligibility requirements. Funds can be used to build, repair, renovate or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities. The property must be 2,000 square feet or less and not have a market value over the loan limit. To qualify for this program you must meet certain criteria like:

  • Be without decent, safe, and sanitary housing,
  • Be unable to obtain a loan from other resources on terms and conditions that can reasonably be expected to meet,
  • Agree to occupy the property as your primary residence,
  • Have the legal capacity to incur a loan obligation,
  • Meet citizenship or eligible noncitizen requirements,
  • Not be suspended or debarred from participation in federal programs.

The current interest rate for Single Family Housing Direct home loans is 2.50% for low-income and very low-income borrowers since June 1st, 2021. You can get more information about this program at (254) 742-9700. 

The city of Austin offers some programs to its residents for helping low-income homeowners. The homeowners assisted by this program must reside in the City of Austin and their incomes may not exceed 80% of the Median Family Income. The Go Repair! Grant offers funds up to $15,000.00 to fix structural issues for homeowners. These funds may be used in repairs such as collapsing floors, decaying roofs, window and door replacements, electrical, plumbing, and mechanical repairs, faulty electric and plumbing leaks. If you live in the Austin area and have a gross annual income at or below 80% of Median Family Income. If you are interested and eligible for this program you can apply to [email protected] or call at 512-974-3100, 311.

If you have problems entering, leaving, or moving around your home, you can get help from the Architectural Barrier Removal Program. These funds may be used for replacing stairs with ramps, removing bathroom barriers, widening doorways and changing doorknobs, etc. This program is available to people who are at least 62, as well as disabled people with a gross annual income at/below 80% Median Family Income. If you are interested and eligible for this program you can apply to [email protected] or call at 512-974-3100, 311.

The city of Austin also offers the Minor Home Repair Grant. This program helps eligible homeowners to make critical and necessary repairs. Minor Home Repair Grants are up to $5,000.00 per home. These funds may be used in homes with health and safety hazards, such as leaking gas pipes, faulty electricity, decaying roofs, and collapsing floors. This program is available to people who are at least 62, as well as disabled people with a gross annual income at/below 80% Median Family Income. If you are interested and eligible for this program you can apply to [email protected] or call at 512-974-3100, 311.

If you are not eligible for these grants, then this city also offers a Home Rehabilitation Loan Program. These loans range from $15,000.00 to 75,000.00 with a 0% interest rate. These funds may be used in repairs such as repairs to the foundations, roof, plumbing, HVAC, windows, electricity, as well as major interior and exterior repairs, and complete rehabilitation of your home. To qualify for this program you must meet certain criteria like:

  • Your home is within Austin city limits, and it is your primary residence,
  • It is a single-family detached home, 
  • You own the home,
  • You have not been discharged from bankruptcy less than two years of application date,
  • You have a gross annual income at/below 80% Median Family Income.

The city of Dallas offers a program for helping homeowners whose homes have been damaged as a result of the 2021 Texas Severe Winter Storm. The first program is The Emergency Home Repair Program, and it is run through the Volunteers of America Texas. You can apply for a grant of up to $10,000 to repair your home. These funds may be used in repairs such as wall and floor removal, sewer lines, gas lines, roof repair, electrical system repair, HVAC repair, mold remediation, etc. Eligible for these grants are homeowners within the City of Dallas with household incomes at or below 80% of the area median income (AMI), who experienced damage(s) to their primary residence caused by the 2021 Texas Severe Winter Storm.

If you are interested and eligible for this program you can apply by calling 214-305-9890 or emailing [email protected]

Harris County also offers a Home Repair Program with grant funding for minor repairs, major rehabilitation, and replacement on septic and water wells. Minor repairs include roof repairs, roof replacements, handicap accessibility improvements, mechanical, electrical, and weatherization and plumbing, etc. These grants may be used by those 62 or older or who have someone with a documented disability in the home. The major rehabilitations include up to $80,000.00 for rehabilitation for those within 80% of the median income category, as well as up to $135,000.00 for reconstruction for those within 80% of the median income category. The grants intended for septic or water wells offer up to $40,000 for replacement or repair if the income doesn’t exceed the 80% level.

If you live in the city of Abilene and you need an emergency repair that you can’t afford, you might be eligible for the Critical Repair Program. The funds from this program may be used in repairing critical problems such as having no gas, heat, electricity, leaks in roofs, open sewers, etc. 

If you live in the city of Allen, you may qualify for The Housing Rehabilitation Program. This program provides up to $5,000.00 for urgent home repairs. Funds must be used on repairs that pose an immediate risk to homeowner’s health and safety or provide accessibility improvements to elderly or disabled homeowners. These urgent repairs may include repairs of air conditioners, heaters, water heaters, and plumbing. If you are eligible for this program, you may submit your application to Allen Community Development Department, 305 Century Parkway, Allen, TX 75013.

https://www.cityofallen.org/DocumentCenter/View/16550/2019-Housing-Rehab-Application?bidId=.

The City of Houston Housing and Community Development Department or HCDD has some home repair programs that offer aid to low and moderate-income families, as well as senior citizens and disabled people. The Home Repair Home or HRH is one of those programs funded by the Community Development Block Grant and the Tax Increment Reinvestment Zone. The amount you may receive depends on the necessary repairs. For minor repairs, you may receive up to $20,000.00. Repairs that are the result of deferred maintenance to the home may include but are not limited to roof repairs/replacement, plumbing (domestic water lines and sanitary waste lines), HVAC repairs/replacement, electrical, windows, doors, etc. 

Another type of assistance is offered in the form of a zero percent interest, deferred, forgivable loan that is secured by a lien on the property. Moderate and Substantial Rehabilitation repairs include renovations such as structural, siding/trim, windows, doors, roof repairs/replacement, substantial systems such as HVAC, water, and wastewater. Homes that qualify to receive Moderate Rehabilitation repairs between $20,000.00 and $40,000.00 will be offered this assistance in the form of a five-year, zero percent interest, deferred, forgivable loan that is secured by a lien on the property. Homes receiving Substantial Rehabilitation repairs between $40,001.00 and $80,000.00 will be offered this assistance in the form of a ten-year, zero percent interest, deferred forgivable loan that is secured by a lien on the property. Reconstructions are offered when the costs of major rehabilitations pass $80,000. The program will then demolish the existing structure and rebuild a home with new, economy-grade finishes.

Disability housing grants are also available to veterans and service members with certain disabilities by the U.S. Department of Veterans Affairs. The Specially Adapted Housing Grant or SAH provides funds to buy, build or change your current home and it is available to homeowners or future homeowners with a qualifying service-connected disability. If you qualify for a SAH grant, you can get up to $100,896.00 for the year 2021. This is the current total maximum amount allowed for SAH grants. Another grant is also available for veterans called the Special Home Adaptation Grant or SHA. For this grant, veterans don’t have to be the homeowner, as long as a family member is. If you qualify for an SHA grant, you can get up to $20,215.00 for the year 2021. This is the current total maximum amount allowed for SHA grants.

How can I get a solar grant in Texas?

Texas has many policies promoting renewable energy and energy efficiency. It has been ranked in the top 10 states for use of solar energy as a result of its strong sunshine and solar costs that are lower-than-average. You can save a lot with the help of rebate programs and special policies. Even though the state of Texas doesn’t have a statewide tax credit or solar rebate program, there are plenty of options available by large and small utilities, as well as local governments. 

Austin Energy is offering Austin Energy Capacity-Based Incentive intended to help sole property owners who install solar PV systems on five or more residential units. This one-time incentive is based on the size of the system and the current incentive level. To qualify the solar PV system must be at least 2kW (AC) per unit or estimated to produce at least 50% of annual electrical consumption, and mostly free of shading. These funds are available on a first-come first-served basis. 

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

  • You must apply for and receive a Letter of Intent (LOI) before system installation,
  • Your solar PV system must be at least 2kW (AC) per unit or estimated to produce at least 50% of annual electrical consumption, and mostly free of shading,
  • Your solar PV system must be installed by an Austin Energy Participating Contractor.

Austin Energy also offers a Multifamily Shared Solar Pilot Program. The Shared Solar program aims to alleviate the problems of cost and complexity by allowing a single on-site solar PV system to serve multiple units in a building. Participants will receive financial incentives to help cover the upfront costs of installing solar PV systems.

Austin Energy also offers a $2,500.00 rebate if you complete their Austin Energy Solar Education Course and install a qualifying solar photovoltaic (PV) system on your home. 

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

  • You must complete the Austin Energy Solar Education Course before applying,
  • You must use an Austin Energy Participating Contractor to install your solar PV system,
  • The solar PV system must be 3kW (AC) or larger, and mostly free of shading.
  • You must apply for and receive a Letter of Intent (LOI) before system installation to be eligible for Austin Energy rebates and incentives.

If you need more information on these programs by Austin Energy, you can call 512-482-5346.

CPS also has a Solar PV Rebate. Residential CPS customers can now receive up to $2,500.00 per install. If they use local solar panels, they can get an additional $500.00. This rebate is decreased by 75 % if the customer uses a non-local installer. 

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

  • You must be a CPS customer,
  • You need to own your solar array or have the owner’s permission to participate,
  • You need to install over 1 kW of solar power on a permanent, non-mobile structure.

Oncor Electric Delivery, the third-largest electric utility in Texas, also offers rebates to its customers that install photovoltaic (PV) systems on homes in its service area. Oncor homeowners who plan to install solar panels can reduce their costs with the Solar Photovoltaic Standard Offer Program or SPVSOP. These rebates are only available to Oncor residential customers. Systems must be new, connected to the grid on the customer side of the meter, and meet all applicable code and utility interconnection requirements. The programs typically run from January through November on an annual basis. Oncor has a total budget of over $26.6 million to fund energy efficiency measures and solar power in 2021. The maximum incentive amount is $8,500.00.

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

  • The system must be new. Sites with existing solar arrays are not eligible to participate in the program,
  • Solar array azimuth should be 90 to 270 degrees,
  • Tilt angle should be between 0 (horizontal) and latitude + 15 degrees,
  • The customer must sign an Interconnection Agreement with Oncor,
  • The minimum system size is 1 kW DC,
  • The maximum system size is 15 kW DC.

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. 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.

After seeking professional tax advice and ensuring you are eligible for the credit, you can complete and attach IRS Form 569516 to your federal tax return. Instructions on filling out the form are available at http://www.irs.gov/pub/irs-pdf/i5695.pdf. According to their official website, this credit can be used for expenses like solar PV panels or PV cells used to power an attic fan, contractor labor costs for onsite preparation, assembly, or original installation, including permitting fees, inspection costs, and developer fees, balance-of-system equipment, including wiring, inverters, and mounting equipment, energy storage devices that are charged exclusively by the associated solar PV panels as well as sales taxes on eligible expenses.

How can I get a debt grant?

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.

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?

If you are having a short-term crisis due to a job loss, medical or health care emergency, loss of financial support they were receiving for a child, such as loss of child support you can get help through Texas Temporary Assistance for Needy Families or TANF. The purpose of TANF is to provide financial and medical assistance to needy children and the parents or relatives with whom they are living.TANF provides cash payments to help families pay for food, clothing, housing, and other essentials. These payments may be used for food, clothes, housing, utilities, transportation, and other basic needs. To be eligible for this program you must be a resident of Texas, and a U.S. citizen, have a child 18 years of age or younger, or be pregnant, or be 18 years of age or younger and the head of your household. This program is intended to help families with children age 18 or younger. One Time Temporary Assistance for Needy Families (OTTANF) provides $1,000.00 cash assistance for families in crisis. The OTTANF payment intends to help solve a short-term crisis and divert households from ongoing TANF benefits. If you need such a program and you fit the given criteria, call 1-877-541-7905 or email at [email protected].

The Utility Assistance Program helps families and individuals in Brazoria, Galveston, and Harris counties with the payment of their electricity and gas bills.

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

  • Must be a resident of Brazoria, Galveston, or Harris County,
  • Must show proof of identity for all household members,
  • Meet the income requirements,
  • Must provide proof of income for the past 30 days,
  • Must provide a copy of the electric bill and gas bill.

If you need this program, call 713-590-2327 to apply.

If you are living in Harris County and you are having unpaid rent due to the pandemics, then you may apply to an assistance program. The city of Houston and Harris County are currently working together to provide aid to people affected by Covid 19. The Houston-Harris Rental Assistance Program is available to renters within Harris County or the City of Houston who have been financially impacted by the pandemics and whose household income is at or below 80% of Area Median Family Income. Households with income at or below 50% of HUD Area Median Family Income (HAMFI) or which include an individual who has been unemployed for 90 days or more will be prioritized for assistance. Funding is available for past-due rent from April 2020 onward. If you need such a program call 832-402-7568 for more information.

Are there tax grants for homeowners?

Although there are no specific tax grants for homeowners, there are cases in which you can get help with your debt to the IRS. Victims of winter storms that began February 11, 2021, now have until June 15, 2021, to file various individual and business tax returns and make tax payments. This Tax Relief is available in every county in Texas, and it is available to all individuals and households affected by the storm that reside or have a business in these counties. The taxpayer has the option to amend their 2020 tax return that has already been filed to claim a casualty loss for damaged property that is uninsured. A casualty loss is a difference between the current fair market value from the market value before the disaster.

The Internal Revenue Service or IRS is also sending more than $2.8 million refunds this week to taxpayers who paid taxes on unemployment compensation that new legislation now excludes as income. This is called the Unemployment Income Tax Refund. Some will receive refunds, which will be issued periodically, and some will have the overpayment applied to taxes due or other debts. The maximum amount that can be excluded when calculating taxable income is $10,200.00. The IRS will be sending letters to taxpayers in the US informing them of the type and amount of the adjustment, whether it is a refund, payment of IRS debt, or payment offset for other authorized debts. The IRS has also recently posted a postponement on the 2020 taxes. This was done by request from the American Institute of CPAs as a result of the current Covid 19 pandemics. 

How can I get a grant to repair my home?

Home repair grants are usually administered on a local level by governments and agencies. Many counties and cities in Texas offer repair grants and rehabilitation programs to help you repair your home and improve your living conditions. Community Development Block Grants are available in all Texas counties and provide help to low and moderate-income homeowners.  

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 apply. Home repair grants are not available to anyone and you must meet certain criteria to qualify. Low-income homeowners, as well as low-income senior citizens and disabled people, are usually included. Home repair grant programs are also available to homes hit by natural disasters such as hurricanes, floods, and earthquakes.

How can I get a grant for windows?

The Texas Weatherization Assistance Program provides help to low-income elderly and disabled adults and families by weatherization of their homes. These funds may be used in caulking, weather-stripping, adding ceiling, wall, and floor insulation, and other similar activities that help in reducing home energy costs, as well as increasing home energy efficiency. Repairing windows, caulk around window frames as well as replacing broken glass and glaze around loose panes in windows may also be covered by this program. This program is administered by the Texas Department of Housing and Community Affairs and is funded by the Department of Energy. If you need such a program, you can get information by phone at 512-475-3800 or email at [email protected].

The Home Repair Loan and Grant program is another window replacement grant that can help those in need. There is both a loan as well as a grant program available, both sponsored by the government. There are plenty of grants available in every city if you need new windows or window repair. These funds may come through non-profit organizations, charities as well as federal funds.

The city of Austin offers some programs to its residents for helping low-income homeowners. The homeowners assisted by this program must reside in the City of Austin and their incomes may not exceed 80% of the Median Family Income. The Go Repair! Grant offers funds up to $15,000.00 to fix structural issues for homeowners. These funds may be used in repairs such as collapsing floors, decaying roofs, window and door replacements, electrical, plumbing, and mechanical repairs, faulty electric and plumbing leaks. If you live in the Austin area and have a gross annual income at or below 80% of Median Family Income. If you are interested and eligible for this program you can apply to [email protected] or call at 512-974-3100, 311.

If you live in Austin you can apply for new windows and repair of windows with the non-profit organization Rebuilding Together. If you are eligible and in need, call 512-993-8230 and get more information. These funds are available on a first comes first-served basis. To qualify for this aid you must meet certain criteria:

  • You must reside in either Travis, Hays, or Williamson county,
  • You must own the home and reside in it,
  • You must be current on your property taxes, or a payment plan,
  • Your entire household must be low-income.

Replacing windows to meet the fire safety code is also included in the Austin Habitat for Humanity Home Repair Program. This program is available to low-income homeowners from the following counties: Travis County, Bastrop County, Caldwell County, Hays County, as well as the corporate city limits of Austin. According to their official website, to qualify for this program you must meet certain criteria:

  • Your house was not built by Austin Habitat for Humanity,
  • You own and occupy the home being repaired,
  • Your home is located in their service area,
  • Your home is more than 10 years old,
  • You are not more than 60 days behind on your mortgage payments, or in danger of foreclosure or being condemned,
  • You are current on your property taxes (includes payment plans) or have a deferral, 
  • You have, or are willing to secure, homeowner’s insurance,
  • You meet the income guidelines (80% MFI or below) based on # of residents in the home,
  • You or a representative are willing to attend a mandatory orientation session,
  • You agree to pay a $150.00 program fee, due only after application approval and the Scope of Work is agreed upon with AHFH staff.

If you meet the required criteria, you can apply at the link below

https://austinhabitatforhumanity.salsalabs.org/homerepairinquiryform/index.html.

How can I get a grant for new flooring?

Every city in Texas offers some sort of assistance to its low and moderate-income residents, elderly people, and disabled people. Every one of those home repair programs includes repairing damaged floors if they present safety and health hazards. The city of Amarillo offers The Emergency Repair Grant and the Minor Repair Grant,  the city of Corpus Christi has the Minor Home Repair Grant, the city of Denison offers the Emergency Home Repair Program, etc.

Funds for replacing and repairing flooring are also included in the Austin Habitat for Humanity Home Repair Program. This program is available to low-income homeowners from the following counties: Travis County, Bastrop County, Caldwell County, Hays County, as well as the corporate city limits of Austin. According to their official website, to qualify for this program you must meet certain criteria:

  • Your house was not built by Austin Habitat for Humanity,
  • You own and occupy the home being repaired,
  • Your home is located in their service area,
  • Your home is more than 10 years old,
  • You are not more than 60 days behind on your mortgage payments, or in danger of foreclosure or being condemned,
  • You are current on your property taxes (includes payment plans) or have a deferral, 
  • You have, or are willing to secure, homeowner’s insurance,
  • You meet the income guidelines (80% MFI or below) based on # of residents in the home,
  • You or a representative are willing to attend a mandatory orientation session,
  • You agree to pay a $150.00 program fee, due only after application approval and the Scope of Work is agreed upon with AHFH staff.

If you meet the required criteria, you can apply at the link below

https://austinhabitatforhumanity.salsalabs.org/homerepairinquiryform/index.html.

Are there grants for the elderly?

Texas Health and Human Services provide a range of services for older Texans that help ensure their well-being, dignity, and choice. Some programs, such as those provided by local area agencies on aging, are available to everyone who is 60 or older. However, other services, such as home or nursing home care, are based on income and resources.

Interfaith Action of Central Texas or iACT’s Hands on Housing utilizes volunteers and skilled professionals to repair the homes of senior citizens and disabled individuals who are living in deep poverty. You can fill out this form and mail it at [email protected]. or call 512-386-9145 ext. 307.

http://interfaithtexas.org/wp-content/uploads/2021/02/ENGLISH_HoH-PrelimApplication-2021.pdf.

Elderly people can also receive money management services from many agencies. Family Eldercare provides services to senior citizens such as establishing a bank account within Social Security guidelines, developing a budget, payment of monthly bills, advocating and negotiating on behalf of the individual; make referrals for services or resources, apply for all local and governmental benefits and entitlements, and Social Security annual report. Their program Financial and Housing Stability also provides rapid housing to seniors, veterans, and individuals living on a fixed income. Their services include assistance with locating housing, negotiating agreements with housing providers to remove barriers and offer reasonable rents, case management with supportive services, and tenant-based rental assistance.

Modifications can make your home or apartment safer and allow you to stay there longer. Long-term care or LTC is a range of services and supports you may need to meet your care needs. Typical changes are needed as you age, such as entryway ramps to accommodate wheelchairs or walkers, medical alert system, lever-style door and sink handle, handrails, etc.

Are there grants for low income homeowners?

Home repair grants are usually administered on a local level by governments and agencies. Low and moderate-income homeowners who are in desperate need of a home repair can get help through grants and zero interest loans. Depending on your county, you can check your eligibility and apply for these programs. Getting the right information on time is essential in receiving these grants since most of them operate on a first comes first-served basis.

The Travis County Home Repair Program provides materials and labor to correct threats to health and safety. These services are only available to low income homeowners who live in Travis County and can be used once every ten years. Funds may be used in home repairs such as repairing and replacing a roof, an HVAC, an electrical system, a plumbing system, a septic system, etc. You can get more information on your eligibility and the application process at your county’s local community centers found on this link

https://www.google.com/maps/d/u/0/viewer?mid=15oq-UcIXtmzZGopnHX3258V321C_NNUG&ll=30.345869681859522%2C-97.74164199999998&z=11.

Travis County Housing Services provides free weatherization improvements to make homes more energy efficient for eligible county residents. This program provides help for low-income, elderly, disabled, and or small children under the age of six. This program provides the materials and labor necessary to improve energy efficiency by reducing air infiltration, insulating attics and crawl spaces, installing solar screens, and the replacement (repair) of storm windows, AC & furnace, kitchen ranges, water heaters, and various wall heaters.

The City of Denison CDBG Emergency Home Repair Program exists to assist low- and moderate-income homeowners with emergency home repairs for items that pose an imminent threat. You are eligible for this program if your income is under 80% of the median household income. These funds may be used in emergency repairs only, such as repairing gas leaks, leaking roofs, frayed electrical wiring, exterior siding, repairing water and sewer leaks, etc.

You will need to fill out this application to apply for this program

https://www.cityofdenison.com/sites/default/files/fileattachments/community_development/page/4521/2019_emergency_home_repair_application_form.pdf.

The city of Garland also offers housing repair programs to its residents. The Housing and Community Service Department receives funds from the U.S. Department of Housing and Urban Development or HUD. The Minor Home Repair Grant Program provides assistance of up to $5,000.00 to low and moderate-income elderly and disabled homeowners. These funds may be used in repairs such as electrical hazards, HVAC repairs, plumbing repairs, replacements of natural gas lines, sewer lines, and water heaters. This program operates on a first-come, first-served basis. To apply for this program you must meet certain criteria, such as:

  • Be a Garland resident,
  • have a Warranty Deed establishing ownership of the property,
  • have current picture identification and an original Social Security Card,
  • Must be 62 years or older or disabled and receiving Social Security disability benefits if claiming disability,
  • Must be willing to provide verification of income on all family members residing in the household
  • Must have lived in their home for one year and be using it as their principal residence,
  • Must be income eligible (incomes at or below 80 percent of the area median household income).

If you are in need of a major repair, then you can apply for the Single-Family Rehabilitation Program. The U.S. Department of Housing and Urban Development or HUD provides funds through the City’s Community Development Block Grant (CDBG) and Home programs. These funds can be up to $25,000.00 and be used in major repairs such as the elimination of minimum housing code violations like electrical systems, HVAC, painting, plumbing, roofing systems, etc. To cover the cost of repairs, the program is set up to provide a combination of a partial grant and partial repayment loan to eligible homeowners. These funds are available to disabled people, senior citizens of 62 and over, as well as non-senior citizens and disabled people. Disabled people, as well as senior citizens of 62 and over, are eligible for a deferred loan with no payments due for a term of 5 years as a loan as the property remains their primary residence.  A property lien will be placed against the property for a term of 5 years for the amount of the loan then released with no payments due. The maximum dollar amount for repairs under this category is $5,000. If repairs exceed the $5,000 threshold, this will change the terms of the loan and a partial repayment may be required and/or the term of the loan may be required. Non-senior citizens and disabled people are eligible to receive a loan amount up to $25,000 to address substantial repairs to their homes. Loan repayment amounts will be in the form of a combination grant/repayment. 

You will need to fill out this application to very-low-income apply for these programs:

https://www.garlandtx.gov/DocumentCenter/View/845/Housing-and-Community-Services-Grant-Application-Package-PDF.

The City of Wichita Falls administers a Minor/Emergency Repair Program that performs certain repairs of approximately $5,000.00 – $7,000.00 on single-family, owner-occupied homes of qualified low-moderate income applicants. Typical issues addressed include repairs to gas and water lines, water heaters, roofs, electrical systems, heating/cooling units, and limited accessibility improvements. This program is offered by the Neighborhood Resources Division of the city of Wichita Falls. 

According to their official brochure, to apply for this program you must meet certain criteria, such as:

  • You must be the owner-occupant,
  • You must have proof of ownership such as a valid Warranty Deed or Warranty Deed with Vendor’s Lien,
  • You must not owe any debts to the City of Wichita Falls,
  • You must be a U.S. citizen or permanent legal resident,
  • Your home cannot be located in the 100-year floodplain,
  • Manufactured housing is not an eligible property type,
  • Substandard homes with multiple, excessive problems are not eligible for repairs.

If your home is in the city of Killeen, more specifically in the Historic Overlay District, you are eligible for a new facade on your house. The costs of this project are paid 80% by the county and 20% by the homeowner. The maximum cost of the project is $10,000.00 for a principal facade and $20,000.00 for a dual principal facade. These grants are available on a first-come first-served basis. If you have any additional questions, you can contact the Revitalization Planner at (254) 501-7641.

The U.S. Department of Housing and Urban Development provides funds to The Texas Department of Housing and Community Affairs HOME Investment Partnerships Program. The Home Homeowner Rehabilitation Assistance or HRA helps the rehabilitation, reconstruction, or new construction for homes that have been deemed uninhabitable as the result of a disaster.

If you live in the city of Allen, there are three programs available to help you with minor home repairs. The CDBG Housing Rehabilitation Program provides funds of up to 25,000.00 to people living in Collin Square, Hillside Village, Oakhill Subdivision, Windridge Estates, or Timberland. These funds may be used on repairs that help your home meet health and safety codes. Eligible repairs include foundation repairs, roof repairs, deteriorated siding, stove, and refrigerator repairs, broken windows, insulations, exterior and interior painting, flooring, sewer system repairs, etc.

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

  • You must be a US citizen,
  • Your household income must be less than 80% of the median income for the City of Allen as determined on an annual basis, adjusted for family size,
  • You must be the homeowner-occupant of the dwelling for which rehabilitation assistance is requested for a minimum of one year,
  • You must provide documentation for all existing liens,
  • You must establish that all property taxes are paid on the subject property.

You can apply by sending or delivering in person the following application to Allen Community Development Department, 305 Century Parkway, Allen, TX 75013. 

https://www.cityofallen.org/DocumentCenter/View/16550/2019-Housing-Rehab-Application?bidId=

If your home is located in the city of Allen and it is over 25 years old, there is another option available. The Property Improvement Program provides grant funding that can be used in minor exterior home repairs, as well as projects which address a code enforcement concern. These funds may be used in home modifications such as window replacement, weatherization, roof repair or replacement, exterior house painting, gutter installation, fence replacement, siding, fascia, and exterior trim repair, and more. Depending on your income level, the city will cover a percentage of your costs. If you are within the Moderate Income Range, the city will match your investment up to $5,000.00.  If your income is below the Moderate Income Range, the city will pay 90% of the cost of your project up to 10,000.00. And if you are both below the Moderate Income Range and in need of repair of code enforcement concerns, then the city will provide 100% of your project cost up to 10,000.00.

You can apply by sending or delivering in person the following application to Allen Community Development Department, 305 Century Parkway, Allen, TX 75013. 

https://www.cityofallen.org/DocumentCenter/View/16550/2019-Housing-Rehab-Application?bidId=

The third program that helps low-income families in the city of Allen is The Urgent and Accessibility Repairs Program. This program provides up to $5,000 to qualifying Allen homeowners with an urgent or accessibility-related repair. These repairs may include air conditioners, heaters, water heaters, plumbing repairs, as well as wheelchair ramps, grab bars in showers, and accessible toilets. 

You can apply by sending or delivering in person the following application to Allen Community Development Department, 305 Century Parkway, Allen, TX 75013. 

https://www.cityofallen.org/DocumentCenter/View/16550/2019-Housing-Rehab-Application?bidId=

The U.S. Department of Housing and Urban Development also funds housing programs through its Community Development Block Grant in the city of Baytown. The Neighborhood Improvement Program or NIP assists low-moderate income homeowners with their exterior painting. The Operation Paintbrush is available to you if you meet certain criteria:

  • You are the owner of the home, and it is your primary residence,
  • You are a legal resident of the US,
  • You reside within the NIP,
  • Your household’s annual gross income doesn’t exceed the maximum income limits,
  • You haven’t received assistance through the Owner-Occupied Housing Rehabilitation Program within the past five years.

If you are interested and eligible for this program, you can fill out this form and submit it.

https://www.baytown.org/DocumentCenter/View/1532/Operation-Paintbrush-Application-PDF.

The city of Baytown also offers a Sewer Line Repair Program to assist low-moderate income homeowners in repairing or replacing decayed sewer lines. This program is available to you if you meet certain criteria:

  • You are the owner of the home, and it is your primary residence,
  • You reside with the Baytown city limits,
  • You and all members of the household are legal residents of the US,
  • All property taxes and mortgage payments are current,
  • You have received notice from the City of Baytown Public Works Department that the private sewer line is in need of repairs or replacement,
  • Your household income doesn’t exceed the annual gross maximum income found in the below application.

If you are interested and eligible for this program, you can fill out this form and submit it.

https://www.baytown.org/DocumentCenter/View/1531/Sewer-Line-Application-Packet-PDF.

The city of San Marcos helps its residents through the HOME Reconstruction Program. This program provides help to single-family owner-occupied homes in need of major repair and rehabilitation. This program works on a first-come first-served basis and may be used if your household income doesn’t exceed the limit for the number of residents.

If you are interested and eligible for this program, you can fill out this form and submit it.

http://sanmarcostx.gov/DocumentCenter/View/11958/HOME-Program-Intake-ApplicationEnglish?bidId=

If you need more information on this program, you can call (512) 393-8147. 

The Community Development Block Grant Housing Assistance Program is also available in Edinburg. This program assists low and moderate-income families in repairing and reconstructing their homes and improving their living conditions. This program is available to you if you meet certain criteria:

  • You meet the HUD income guidance,
  • Your property is within Edinburg city limits,
  • You are the homeowner and have lived in the house for a minimum of three years,
  • The home is your primary residence,
  • You have no liens on property,
  •  Your city and county taxes are current.
https://cms7files.revize.com/edinburgtx/2021%20Housing%20Application%205.25.2021.pdf

If you need more information on this program, you can call (956) 388-8206.

The city of Mission also receives funds from the Community Development Grant Program. This city’s Housing Assistance Program provides help to low and moderate-income homeowners. There are two types of assistance available, Home Reconstruction and Home Rehabilitation. Reconstruction Assistance consists of a new brick veneer energy-efficient home, by demolishing your home and constructing a new one. And Rehabilitation Assistance provides major repairs, such as electrical, plumbing, roof, etc. Whether your home is eligible for one of these programs is determined after a home evaluation.

To apply to this program, you must meet certain criteria:

  • You are the homeowner, and this is your residence for a minimum of three years,
  • You reside within the Mission city limits,
  • Your taxes are current,
  • You meet the federal income requirements.

In the link below you can find all the necessary documents for applying.

https://missiontexas.us/wp-content/uploads/2010/06/CHECKLIST-HAP-2014.pdf.

The city of Lubbock provides help to its residents with their Community Development Minor Home Rehabilitation Program, by improving their living conditions and securing existing health and safety issues. This program is available to homeowners who reside in the home, provide a Warranty Deed, have current property taxes, and have income limits below 80%. This city also provides assistance for your energy bills, as well as for the repair of existing heating and cooling units. These programs are available through the Neighborhood House organization, and they are available to single mothers, elderly and disabled (on fixed incomes at poverty level or below), the homeless and marginally homeless, and persons who are in a temporary financial crisis. For more information on these two programs, call (806) 589-1907.

The Home Investment Partnerships Program or HOME is a grant that the City of Waco has received each year from the Department of Housing and Urban Development since 1992. These funds may be used by families earning below 80% of the area’s median income. Their Home Rehabilitation Assistance Program also offers up to $50,000.00 zero-interest loans to repair your current home. 

To apply for this program, you must meet certain criteria:

  • Applicants must meet income criteria (80% or below the median income for the City of Waco),
  • Your property must be within the city limits of Waco,
  • You are the homeowner,
  • You must not have more than 1 lien on the property, which can not be a reverse mortgage.
  • Clients who received assistance under the reconstruction program are not eligible to receive assistance under the home rehabilitation program.
  • Your home must be insured and all property taxes paid in full.

For more information, please call at 254-750-5656 or fill out the application below.

https://www.waco-texas.com/pdf/housing/6.2.21.AppRehabLIPPPartI.pdf

The city of Midland has four housing programs: Homebuyer Assistance, Minor Repair Program, Housing Reconstruction Program, and Homeless Program. The Minor Repair Program offers funds for major plumbing, electrical, heating/AC, and roofing repairs to low income homeowners. You must be the owner for at least two years prior and your property must be located in the CDBG eligible areas. According to their official website, a household must pay in advance a portion of the cost ranging from a minimum of $50.00 to 95% of the total repair cost, based on a sliding scale. The City will then help with procuring a contractor and will pay the contractor for the balance of the repair work. If you need more information on this program, call (432) 685-7472. The Housing Reconstruction Program, on the other hand, offers affordable loans for emergency repairs to low-income, credit-worthy homeowners. To qualify for this program, your property must be located within the CDBG eligible area.

The City of Corpus Christi offers grants to very low income homeowners of 62 or above and people with disabilities. The Neighborhood Service Department offers this Minor Home Repair Grant for repairs including roof repair, plumbing repair, electrical repair, heating, or minor structural repairs. Homeowners must reside in the property and it must be their primary resilience. For more information on these funds call (361) 826-3010. This city also offers a Single Family Rehabilitation Program that provides 0% interest loans to very low-income homeowners with a favorable credit history. These loans are also available to low and moderate-income homeowners with a 3% interest rate.

The city of Amarillo offers more than one program to provide aid to its residents in need with funds provided by the Community Development Block Grant Program. The Emergency Repair Grant provides maximum assistance of $8,000.00 over a 12-month period that can be used in repairing hazardous or life-threatening conditions in your home. These repairs may include electrical system repairing, heating system repairing, sewer lines repairing, plumbing repairs, roof repairs, minor accessibility needs, etc. To qualify for this program, you must meet certain criteria such as:

  • Your property must be within city limits,
  • You must own or in the process of buying the property, 
  • You must meet the minimum income limit, and the city of Amarillo must confirm it,
  • You must provide verification of all bank accounts in the form of bank statements,
  • You must not owe any debts to the city.

If you are in need of this program, fill the application below and mail it at P.O. Box 1971 Amarillo, TX 79105-1971.

https://comdev.amarillo.gov/home/showpublisheddocument/25825/637286897058270000

If you are in need of a bigger amount for your home repairs, this city also offers the Minor Repair Grant, funded by the Community Development Block Grant Program. This program offers maximum assistance is $24,950.00 or 50% of the appraised value of the home, whichever is lower throughout a 10-Year Lien period. These repairs may include electrical system repairing, heating system repairing, sewer lines repairing, plumbing repairs, roof repairs, minor accessibility needs, etc. To qualify for this program, you must meet certain criteria such as:

  • Your property must be within city limits,
  • You must own or in the process of buying the property, 
  • You must meet the minimum income limit, and the city of Amarillo must confirm it,
  • You must provide verification of all bank accounts in the form of bank statements,
  • You must not owe any debts to the city,
  • You must sign all legal documents required for Minor Repair Grant,
  • This is a grant program and is not required to be repaid so long as you occupy the property for the allotted time of the lien. 

If you are in need of this program, fill the application below and mail it at P.O. Box 1971 Amarillo, TX 79105-1971.

https://comdev.amarillo.gov/home/showpublisheddocument/25809/637286769580470000

The third option this city offers is Housing Rehabilitation Assistance to low income homeowners for the moderate to the substantial renovation of their homes. This program uses funds from CDBG and HOME to provide 0% interest loans. Financial assistance is provided as a no-interest, deferred payment forgivable loan or a HOME reverse mortgage loan. The terms of loans range from 5 to 20 years depending upon the amount of financial assistance provided. These funds may be used in large and small rehabilitations, as well as home reconstructions.

The city of Fort Worth also provides help to its residents through the Priority Repair Program. This program is administered by the Neighborhood Services Department. These funds may be used for emergency and mechanical system home repairs up to $5,000.00.

Emergency repairs may include water and sewer line breaks, gas line breaks, inoperable water heaters, and heating systems, etc. The mechanical repairs include electrical system failures, roof, repairs, inoperable air conditioners, unstable or rotten bathroom subflooring, etc. In order to qualify, your property must be located in the city of Fort Worth, you must own it and use it as a primary residence, and the total household limit must not exceed more than 60% of the area median income. If you are eligible and in need of such funds, call (817) 392-7548.

The Neighborhood Services Department also administers the Emergency Rental Assistance program to provide funds to renters ineligible households or landlords on behalf of eligible renters. These funds may be used in bills including rent, past due rent, utilities, past due utilities, etc. Renters eligible for this program must have income at or below 80% of the area median income and demonstrate a risk of experiencing homelessness or housing instability. One or more household members must be qualified for unemployment, experienced a reduction in household income, or experienced financial hardship due to COVID-19.

The City of San Angelo also offers cost-free emergency repairs to fix or replace plumbing lines, water lines, gas and sewer lines, electrical systems, carpentry, as well as air conditioning and heating units. damaged by the recent winter storm for households that meet the low to moderate-income levels. This Emergency Repair Program is available to applicants who meet certain criteria such as:

  • A recorded Warranty Deed in their name, 
  • An income below 80% of the San Angelo Median income,
  • No felony conviction in the past 5 years,
  • No debts owed to the city and other local taxing entities,
  • Haven’t received this type of assistance in the past 2 years.

If you are interested and eligible for this program, you can get more information on 325-655-6700 or submit the application below.

https://www.cosatx.us/home/showdocument?id=33425

If you need help repairing your home, grants are not your only option. There are non-profit organizations that work with volunteers and offer these types of services to senior citizens, disabled people, and very low-income families. Rebuilding Together San Antonio is one example of an organization you may use in your minor home repairs. Their volunteers participate in minor home modifications such as painting, repairing, and renovating homes and shelters.

Austin Energy Weatherization Assistance provides free home energy improvements to eligible customers. Austin Energy customers may qualify if their home is 2,500 sq. ft. or smaller; if the home’s appraised value is $300,000 or less (excluding land value); if the house is 10 years or older; and if the customer meets income requirements. This program provides services such as sealing of outside doors, plumbing and electrical connections, new carbon monoxide and smoke detectors, attic insulations, duct repair, and replacement, installing solar screens on windows, inspecting and cleaning air conditions, etc. This program is available to both homeowners and renters with a previous signed permission form.

You can apply online by filling in this form

https://austinenergy.formstack.com/forms/weatherization_assistance_program_application_english. To apply for this program you must meet certain criteria, such as:

  • You must be an Austin Energy customer,
  • You must live in the house you want weatherizing,
  • Your home’s appraised value is $300,000 or less,
  • Your home must be 2,500 square feet or smaller,
  • Your home must be more than 10 years old.

The Supplemental Security Income program or SSI provides monthly payments to adults and children with a disability or blindness who have income and resources below specific financial limits. SSI payments are also made to people aged 65 and older without disabilities who meet the financial qualifications.

What are the easiest homeowner grants to get?

Low and moderate-income homeowners who are in desperate need of a home repair can get help through grants and zero interest loans. Depending on your county, you can check your eligibility and apply for these programs. Grants are more available to senior citizens, disabled people, as well as low-income families.

The easiest and most common homeowner grants are those that help repair homes hit by natural disasters, such as hurricanes, floods, and earthquakes. The Homeowner Assistance Program or HAP provides assistance to homeowners affected by Hurricane Harvey. These funds may be used in repairing and rehabilitating homes, reconstruction of homes, as well as elevating homes above flood level. Rehabilitation will be provided to homes that have up to $65,000.00 in estimated repairs from the event. The Harvey Single Family Development Program will finance the construction of new, flood-resilient homes, in areas outside the floodway. This program gives Harvey-impacted homeowners living in damaged homes the chance to immediately relocate to a safe, newly constructed home.

Can I get a grant to change my windows?

*See -How can I get a grant for windows?

Can I get a grant to replace my windows?

*See -How can I get a grant for windows?

How can I get new windows for free?

*See -How can I get a grant for windows?

Is there a program to help replace windows?

*See -How can I get a grant for windows?

Can I get a grant to renovate my house?

If you are in need of emergency repairs that present safety and health hazards, then you may apply to the many programs available. Home repair grants are usually administered on a local level by governments and agencies. These funds are intended to aid low-income families, senior citizens, as well as disabled people, and can vary in every county. Home renovating will only be funded in repairing hazardous or life-threatening conditions in your home. 

Home repair grants can be found in several places, but you should start with your local U.S. Department of Housing and Urban Development or HUD office. These grants are not available to everyone, so you must meet certain income and location criteria. Getting your application submitted on time is also essential since most of them operate on a first-come first-served basis. 

The HOME Investment Partnership Program, as well as the Community Development Block Grant Program, provides funds to state and local governments and these funds may assist you in buying your first home, repairing your home, or improving your home.

Can I get a grant to repair my roof?

Every city in Texas offers some sort of assistance to its low and moderate-income residents, elderly people, and disabled people. Every one of those home repair programs includes repairing leaking or damaged roofs if they present safety and health hazards. The city of Amarillo offers The Emergency Repair Grant and the Minor Repair Grant,  the city of Corpus Christi has the Minor Home Repair Grant, the city of Denison offers the Emergency Home Repair Program, etc.

The city of Austin offers some programs to its residents for helping low income homeowners. The homeowners assisted by this program must reside in the City of Austin and their incomes may not exceed 80% of the Median Family Income. The Go Repair! Grant offers funds up to $15,000.00 to fix structural issues for homeowners. These funds may be used in repairs such as collapsing floors, decaying roofs, window and door replacements, electrical, plumbing, and mechanical repairs, faulty electric and plumbing leaks. If you live in the Austin area and have a gross annual income at or below 80% of Median Family Income. If you are interested and eligible for this program you can apply to [email protected] or call at 512-974-3100, 311.

The city of Austin also offers the Minor Home Repair Grant. This program helps eligible homeowners to make critical and necessary repairs. Minor Home Repair Grants are up to $5,000.00 per home. These funds may be used in homes with health and safety hazards, such as leaking gas pipes, faulty electricity, decaying roofs, and collapsing floors. This program is available to people who are at least 62, as well as disabled people with a gross annual income at/below 80% Median Family Income. If you are interested and eligible for this program you can apply to [email protected] or call at 512-974-3100, 311.

If you live in Austin you can also apply for new roof and roof repair with the non-profit organization Rebuilding Together. If you are eligible and in need, call 512-993-8230 and get more information. These funds are available on a first-come first-served basis. To qualify for this aid you must meet certain criteria:

  • You must reside in either Travis, Hays, or Williamson county,
  • You must own the home and reside in it,
  • You must be current on your property taxes, or a payment plan,
  • Your entire household must be low-income.

Repairing roofs is also included in the Austin Habitat for Humanity Home Repair Program. This program is available to low-income homeowners from the following counties: Travis County, Bastrop County, Caldwell County, Hays County, as well as the corporate city limits of Austin. According to their official website, to qualify for this program you must meet certain criteria:

  • Your house was not built by Austin Habitat for Humanity,
  • You own and occupy the home being repaired,
  • Your home is located in their service area,
  • Your home is more than 10 years old,
  • You are not more than 60 days behind on your mortgage payments, or in danger of foreclosure or being condemned,
  • You are current on your property taxes (includes payment plans) or have a deferral, 
  • You have, or are willing to secure, homeowner’s insurance,
  • You meet the income guidelines (80% MFI or below) based on # of residents in the home,
  • You or a representative are willing to attend a mandatory orientation session,
  • You agree to pay a $150.00 program fee, due only after application approval and the Scope of Work is agreed upon with AHFH staff.

If you meet the required criteria, you can apply at the link below

https://austinhabitatforhumanity.salsalabs.org/homerepairinquiryform/index.html.

How can I get free money to fix my house?

*See: How can I get a grant to repair my home?

How can I get money to fix up my house?

*See: How can I get a grant to repair my home?

How can I get my house remodeled for free?

*See: How can I get a grant to repair my home?

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?

HUD-approved housing counseling agencies are available to provide you with the information and assistance you need to avoid foreclosure. As part of President Obama’s comprehensive Homeowner Affordability and Stability Plan (HASP), you may be eligible for a special Making Home Affordable loan modification or refinance, to reduce your monthly payments and help you keep your home. 

Many HUD-approved counseling agencies can help you in foreclosure prevention. These housing counselors can assist you in your communication with your lenders and find a solution. Although not all of these options are available to all homeowners, your housing counselor will guide you in the workout options relevant to your particular situation. In cases where foreclosure is unavoidable, our counselors will help you organize an effective exit strategy that minimizes the detrimental impact on your future financial outlook. The approved housing agencies in Texas can be found at their site:  

https://apps.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&searchstate=TX&filterSvc=dfc

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?

Every city in Texas offers some sort of assistance to its low and moderate-income residents, elderly people, and disabled people. Every one of those home repair programs includes repairing damaged electrical systems if they present safety and health hazards. Depending on your county, you can check your eligibility and apply for these programs. Getting the right information on time is essential in receiving these grants since most of them operate on a first-come first-served basis.

Travis County has a Home Repair Program that can assist low income homeowners in repairing or replacing electrical systems. The city of Denison also offers an Emergency Home Repair Program that can assist you in frayed electrical wiring and the city of Garland has a Minor Home Repair Grant Program. The city of Wichita Falls has a Minor/Emergency Repair Program and offers aid in the amount of $5,000.00 – $7,000.00 to qualified low-moderate income applicants. 

Get informed on the types of programs your city and county offer and check if you qualify. The cost of rewiring your house can also be reduced by funds from zero-interest loans. 

What is the Emergency Mortgage Assistance Program?

The Texas Department of Housing and Community Affairs or TDHCA provides funds for the Texas Emergency Mortgage Assistance Program or TEMAP.  These funds are available to cities, counties, local and regional nonprofits, and regional organizations to provide mortgage assistance to income-eligible homeowners impacted by COVID-19. This help is available to households at or below 80% Area Median Income. The home should be the homeowner’s primary residence. The mortgage must be an eligible loan through an eligible lender and it must be a first or a second lien position. Through the TEMAP, eligible homeowners may receive up to 6 months of mortgage assistance, in any combination of arrears, current, and future mortgage payments, as long as at least one month is for current or future payment. Late fees are also allowed, as long as the homeowner first negotiates penalty forgiveness or reduction. The maximum amount of assistance is 150% of SAFMR (small area fair market rent) or FMR (fair market rent).

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 and charges 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.chase.com/content/dam/chase-ux/documents/personal/mortgage/mortgage-assistance/rma.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 were made under the government’s Home Affordable Modification Program or HAMP.  

To qualify for this program you must have 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 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 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. 

There are plenty of “home repair” programs that people in Texas can use in the form of grants, loans, incentives, etc. The best place to start searching if you are eligible for grants is your local Department of House and Urban Development or HUD’s office. While HUD does not offer direct grants or loans to individuals, they do work through local governments and non-profit organizations to make financial assistance and counseling available to eligible individuals. This department awards discretionary funding through over 20 Grant programs that support HUD initiatives, including Affordable Housing Development and Preservation, Community and Economic Development, Environment and Energy, Fair Housing, Homelessness, Homeownership, Rental Assistance, and Supportive Housing and Services. Every year, HUD publishes a Notice of Funding Availability or NOFO. This notice contains the types of available funding and contacts where and how you can submit your application. Low-income homeowners can get help with the home repair’s cost depending on the county they reside in. 

Who is eligible for a government home improvement grant?

*See Who can get a home improvement grant?

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