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The Community and Small Business Development Division has three 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 |
|---|---|---|---|---|---|---|---|---|
| $39,700 | $45,350 | $51,000 | $56,650 | $61,200 | $65,750 | $70,250 | $74,800 |
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 $371,000 or less (effective July 1, 2023)
How much money can I get?
The maximum loan amount is typically $90,000. Loans are deferred payment with 0% interest, and are 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?
The program is not currently accepting applications. We are currently working to assist eligible homeowners who applied in the most recent application period in October 2022.
To be notified when the next application period opens, subscribe to our listserv. (Enter your email and under Subscription Topics, select "Community Development News").
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 one or more 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.
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
- 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 |
|---|---|---|---|---|---|---|---|---|
| $39,700 | $45,350 | $51,000 | $56,650 | $61,200 | $65,750 | $70,250 | $74,800 |
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 at least one severely deteriorated systems (such as roof, HVAC, electrical, plumbing, or structural)
- Have a property value of $371,000 or less (effective July 1, 2023)
How much money can I get?
The maximum loan amount is typically $15,000. Loans are deferred payment with 0% interest loan, and are 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?
Resources for Seniors serves as administrator of the program. To apply, please call 919-713-1556.
Raleigh Home Revitalization Program
The Raleigh Home Revitalization Program is for necessary repairs and maintenance to extend the life of homeowner-occupied homes, help seniors age in place, install accessibility measures to help persons with disabilities, and improve the quality of life for residents in targeted geographic areas.
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 ten years
- 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 |
|---|---|---|---|---|---|---|---|---|
| $51,610 | $58,955 | $66,300 | $73,645 | $79,560 | $85,475 | $91,325 | $97,240 |
What properties are eligible?
To qualify, the property must:
- Be located within the targeted geographic areas in the City of Raleigh
- Be a single-family detached home, townhome, or condominium unit
- Have a property value of $450,000 or less
How much money can I get?
The maximum loan amount is typically $30,000. Loans are deferred payment with 0% interest loan, and are 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?
Rebuilding Together of the Triangle serves as administrator of the program. To apply, please contact Kelly Zargo at 919-341-5980 or info@rebuildingtogethertriangle.org or complete an application and drop it off or mail it to Rebuilding Together (2201 Brentwood Rd, Suite 109, Raleigh, NC 27604).