Homeowners Repair Grants and Loans

by | BiggerPockets.com

Repair grants make it helpful for many Americans to make safety renovations and code compliance improvements to their homesteads.  The federal government along with many local state and county agencies all have operating loan and grant programs available for home owners in need of making some cosmetic or structural repairs to their dwellings.  Like all good things there are however some catches needed to qualify.

Check with your local Department of Neighborhood or Community Services Department of your city to learn more about any specific grant and loan programs that may be available to you.  Some government loan programs provide for up to $40,000 in a “forgivable” loan to qualified homeowners.  King County in Washington State offers up to a $5,000 grant for mobile home owners who need to make “quality of life” repairs to their mobile homes located inside of rented trailer communities.  Residents living in Riverside, California may apply for a $6,000 grant to pay for a new roof, HVAC, and make plumbing repairs.

The Department of Agriculture program number 10.417, Very Low-Income Housing Repair Loans and Grants are intended to help very-low income owners-occupants in rural areas repair their homes. Grant monies may be used to pay for the costs for repairs and improvements that will remove health and safety hazards or add disability required features (I.e. wheelchair ramps).  Money given in the form of a loan may be used to make general repairs and improvements to homes or remove health hazards.

Many of the grants and low interest loans available for qualified homeowners have the same basic restrictions:

Income Requirements: Grant and Loan amounts will vary in direct relation to household income levels at the time of application.  These income caps vary per program however in most cases the lower the income level per household the more money an applicant may be approved.  A typical rule of thumb for qualified low-income applicants is less than 50% of your state or county’s median income.

Location Requirements: Qualified applicants must be legal US citizens.  If working through a local county agency the home needing repairs must be located within this county’s jurisdiction.

Ownership Requirements:  Primary homes which are owner-occupied are the easiest homes to be approved for government repair grants.  Second homes and vacation homes typically will not apply as these repair Funds are designated for homeowners with little to no assets, savings, and income; providing proof that an applicant owns a second home will typically disqualify that applicant immediately.  Check with your local government agencies for any specific circumstances.

Loan Repayment Requirements: Loans bear an interest rate of 1% and are repaid over a period up to 20 years.  Qualified applicant must show proof that they have the ability to repay the low interest loan given.

Age Requirements:   All homeowners are welcome to apply.  All ages are encouraged to take advantage of these free government loan programs.   Borrowers over 62 years of age may qualify for grant monies instead of repayment of a loan.

To learn more about your local and state loan/grant programs click here to be taken to your state and county’s correct government agencies.

About Author

John Fedro

Investing since 2002, John started in real estate accidentally with a 4-bedroom mobile home inside of a pre-existing mobile home park. Over the next 11 months, John added 10 more mobile homes to his cash-flowing portfolio. Since these early years, John has gone on to help 150+ sellers and buyers sell their unwanted mobile homes and obtain a safe and affordable manufactured home of their own. Years later, John keeps to what has been successful—buying, fixing, renting, and reselling affordable housing known as mobile homes. John shares his stories, experiences, lessons, and some of the stories of other successful mobile home investors he helps on his blog and YouTube channeland has written over 300 articles concerning mobile homes and mobile home investing for the BiggerPockets Blog. He has also been a featured podcast guest here and on other prominent real estate podcasts, authored a highly-rated book aimed at increasing the happiness/satisfaction of average real estate investors, and spoken to national and international audiences concerning the opportunities and practicality of successfully investing in mobile homes.


  1. Thanks for the post. I think this information is very timely. I did have one question though. Are there inspections completed for those who receive the grants to ensure the work that the loan is going for gets completed? And even in a manner that meets city code. With those kinds of low interest loans and even forgivable funds by way of grants, as a taxpayer I would want to ensure that the money is used for the purpose in which it was granted for.

    Thank you again.
    Jolene Christopherson

  2. Researching this answer for you most programs require that the grant/loan checks be payable directly to the construction company for any repairs needed, other counties require a code inspector verify repairs are completed correctly. Many of these programs vary slightly however it seems most have some procedures in place to check for fraud.

    Hope this helped, great Q. – John

Leave A Reply

Pair a profile with your post!

Create a Free Account


Log In Here