Homeowner Rehab and Repair Program

Help with home repairs


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Homeowner Rehabilitation Program Limited Repair Program

The Community and Small Business Development Division has two programs designed to help homeowners address needed home repairs. These programs cover problems such as leaking roofs, faulty plumbing, electrical or heating systems, broken windows, flooring, and lead paint removal.

Homeowner Rehabilitation Program

The Homeowner Rehabilitation Program helps homeowners finance the cost of major repairs to homes. The goal of the program is to address issues in the home that present a threat to the life, safety, or health of the occupants.

Who is eligible for this program?

To qualify, you must:

  • Currently own and occupy the home to be rehabilitated
  • Continue to occupy the home as your primary residence after the work is complete
  • Have owned the home for at least five years
  • Be 62 years or older or have a disability
  • Have a household income that does not exceed the income limits below
Income Limit Family of 1 Family of 2 Family of 3 Family of 4 Family of 5 Family of 6 Family of 7 Family of 8
  $37,450 $42,800 $48,150 $53,500 $57,800 $62,100 $66,350 $70,650

What properties are eligible? 

To qualify, the property must:

  • Be located within the City limits of Raleigh
  • Be a single-family detached home, townhome, or condominium unit
  • Have three or more severely deteriorated systems (such as roof, HVAC, electrical, plumbing, or structural)
  • Have a property value of $309,000 or less

How much money can I get?

The loan is a deferred payment, 0% interest loan that is forgiven after five years, unless the borrower defaults.*

* Default occurs if the property is sold or transferred, or if the borrower ceases to reside at the home prior to end of the loan term. In the event of default, the outstanding balance will be due and payable to the City.

How do I apply?

There are two application periods a year, one in the spring and one in the fall.

The fall application period will be from October 3-21. For questions, please contact the Housing and Neighborhoods Department at 919-996-4330 or email Rehabs@raleighnc.gov

Limited Repair Program

The Limited Repair Program is for repairs to at least one or two faulty systems such as roof, heating and cooling systems, electrical, plumbing or structural problems. These systems, left untended are a threat to the life, safety or health of the occupants. The property must be located in the city limits of Raleigh and must be the owner’s principal residence upon completion of the repairs.

To qualify, your household income must fall at or below the income limits below (as defined by HUD federal guidelines). Loan amounts cannot exceed $15,000. Loans are discounted 20% every year and forgiven after five (5) years of owner occupancy.

Income Limit Family of 1 Family of 2 Family of 3 Family of 4 Family of 5 Family of 6 Family of 7 Family of 8
  $37,450 $42,800 $48,150 $53,500 $57,800 $62,100 $66,350 $70,650

Resources for Seniors serves as administrator of the program. To apply, please call 919-713-1556.

Contact

 

Housing and Neighborhoods Department 
919-996-4330
Rehabs@raleighnc.gov

Resources for Seniors
Limited Repair Program
919-713-1556

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Lead Department:
Housing and Neighborhoods
Service Categories:
Affordable HousingCommunity and Small Business Development