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Home Improvement Grants & Repairs Assistance Programs

Author: Housing Editors

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There are several assistance programs in place that can help you pay for all types of home repairs and/or improvement projects.
 
This guide is divided in 3 section to help you learn more and get the most funding the fastest way possible.
 

 

Alabama Alaska Arizona Arkansas
California Colorado Connecticut Delaware
DC Florida Georgia Hawaii
Idaho Illinois Indiana Iowa
Kansas Kentucky Louisiana Maryland
Massachusetts Michigan Minnesota Mississippi
Missouri Montana Nebraska Nevada
New Hampshire New Jersey New Mexico New York
North Carolina North Dakota Ohio Oklahoma
Oregon Pennsylvania Rhode Island South Carolina
South Dakota Tennessee Texas Utah
Vermont Virginia Washington West Virginia
Wisconsin Wyoming    

 
Owning a home is a huge investment coming with big responsibilities. Our home is where we live, play, sleep and raise our families, but when the time for repairs comes, not all Americans can afford to maintain their home in a good and safe condition. We put together this guide for you.
 
 
 

Common Questions

 

Who offer home improvement programs?

 
 

This types of government programs are offered by both the Federal (HUD for urbain and suburbain owners) and USDA for rural owners) and your State.
 
Major states like California, Florida, Illinois, New York, Ohio, Pennsylvania and Texas have robust and complete assistance programs while other smaller states sometime lack much resources for families. Big cities also always have such programs in place and some smaller counties often do.

 
 

When is the best time to apply?

 
 

The important is to contact the local organization(s) in charge, find out the requirements, and apply to obtain your fundings. Some programs’ funding can run out of budget quickly and you may need to wait a few months to receive funding. The income limits threshold varies by county: this mean the income limit is usually higher in richer counties than less affluent ones. Be dilligent and patient.

 
 

Who are home improvement programs for?

 

Home improvement assistance programs are for everyone but they’re allocated in priority for low income families (but the bar can be sometime be quite high depending on your county median household income), disabled people, active duty military and veterans. There are also some related programs for teachers, law enforcement, firefigther, and emergency medical personal (EMT).

 
 

What kind of repairs or emergency are covered?

 

The type of immprovement or repairs eligible are usually the important ones needed to maintain your safety and health. Repairs to roofs, exterior walls, foundations, electrical and plumbing are usually accepted. If you have emergency repairs and can’t wait to get government help we recommend you contact your closest Habitat for Humanity for help. Amother similar organization operation nationaly is Rebuilding Together, make sure you contact their closest office to you. These organizations can direct you to other local resources and their local volunteers can sometime help quickly.

 
 

 

Federal Home Improvement Programs     

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Government Home Improvement Programs

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Programs offering financial assistance through the form of grants, deferred-payments loans, no-interest loans and interest loans for low income families of owner occupied homes.

Home Repair Grants

10 votes, average: 3.70 out of 510 votes, average: 3.70 out of 510 votes, average: 3.70 out of 510 votes, average: 3.70 out of 510 votes, average: 3.70 out of 5 (10 votes, average: 3.70 out of 5, rated)
 

Home repair and improvement grants and aid are available through most city and county governments and also through many local organizations.

Home Improvement Insurance

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HUD provides insurance to lenders on most home improvement loans. This allows consumers to obtain a more affordable loan for home improvements and repairs.

 

Veterans Housing

52 votes, average: 4.02 out of 552 votes, average: 4.02 out of 552 votes, average: 4.02 out of 552 votes, average: 4.02 out of 552 votes, average: 4.02 out of 5 (52 votes, average: 4.02 out of 5, rated)
 

The VA offers grant programs for active duty military personel, reservists and veterans with service and non-service related disabilities who need to make alterations and adaptions to their homes.

Teachers, Police/Law Enforcement, Firefithers, EMT Home improvement and home purchase

52 votes, average: 4.02 out of 552 votes, average: 4.02 out of 552 votes, average: 4.02 out of 552 votes, average: 4.02 out of 552 votes, average: 4.02 out of 5 (52 votes, average: 4.02 out of 5, rated)
 

HUD’s Good Neighbor NextDoor program allow full-time teachers, law enforcement, firefighters and EMT personel to get a 50% discount on a HUD house asking price. The house needs to be in a revitalization area where the person actually work. The buyer also need to stay in the house for a minimum of 3 years. A 203k home improvement loan can be added to the home mortgage to do home repairs and home improvement. Other requirements: single family homes only.

Home Improvement Loans

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Title I Home Improvement Loans are available through HUD approved lenders and can be used for small to large home repairs and improvements. These loans can also be used in conjunction with 203 (k) loans.

203k Rehabilitation

171 votes, average: 4.09 out of 5171 votes, average: 4.09 out of 5171 votes, average: 4.09 out of 5171 votes, average: 4.09 out of 5171 votes, average: 4.09 out of 5 (171 votes, average: 4.09 out of 5, rated)
 

This is the main HUD program for home repair assistance to single family dwellings. The funds available from this program can also be used to expand single family dwellings. The 203 (k) rehabilitation loan can be used with other programs to finance home rehabilitation and repair projects.

 
 

States and Local Programs

 

Local home improvement programs can be found in the counties, cities and the states below.
 
We recommend you contact your closest housing department (city or county) and any local organizations proving help and get the latest information for their home improvement programs.
 
We try to maintain this list updated regularly but programs’ budgets can be depleted quicky and policies can change with new administrations. We recommend you use this list as a basis for your search. There may also be new programs as we speak so the best thing is to call state, city and local organizations to find out the latest and most current.
 
Everyone living in a rural area can have access to the USDA’s Single Family Home Repairs Loan and Grants. Even if your county or town may not be listed below but you can rely on this USDA program for help.

 
 

 
 
 

Alabama

 
Alabama has many home improvement grants and repair loans programs offered by the organization, cities and counties below.
 

Alabama Housing Finance Authority: manage HOME funds to counties and cities.
 
Cities: Birmingham, Mobile, Montgomery, Tuscaloosa.
 
County: Mobile County.
 
Learn also about Federal programs and common questions.

 
 

Alaska

 
Alaska has a few home improvement grants and repair loans programs offered by the organizations and cities below.
 
Alaska Housing Finance Corporation: provide renovations loans with 2 programs. One with loans up to $100,000, and the second with loans up to $318,000.
 
Organization:
 
NeighborWorks Alaska: Provide help with home improvement loans.
 
Cities: Anchorage and Cook Inlet Housing Authority
 
Learn more
 
 

Arizona

 
Arizona has no state wide home improvement grants and repair loans programs and no county offer similar program. Only the cities below have home repair programs. The USDA offer a weatherization program in all rural counties.
 
Arizona Department of Housing: doesn’t provide funding or specific programs.
 
Local funds are available in some county housing organizations for emergency and weatherization repairs.
 
Counties: Glendale, Mesa, Phoenix, Tucson.
 
Learn also about Federal programs and common questions.
 
 

Arkansas

 
Arkansas has no improvement grants and repair loans programs covering the whole state. But the organizations and counties below do have home repairs programs in place. See with their housing departments.
 
Arkansas Development Finance Authority (ADFA): doesn’t have a program for home repairs.
 
Programs and funds are available in some counties housing authorities for energy conservation and weatherization.
 
Counties:
 
Fayetteville, Fort Smith, Jacksonville, Jonesboro, Little Rock, North Little Rock, Pine Bluff, Springdale, Texarkana, West Memphis have their renovation or repair programs.
 
Learn more
 
 

California

 
Funds for home improvements and repairs are only available at the city and county levels (see the list below). Contact your local housing authority.
 
The California Department of Housing: doesn’t provide direct funds to homeowners.
 
Cities:
 
Alhambra, Anaheim, Apple Valley, Bellflower, Berkeley, Buena Park, Burbank, Chico, Clovis, Compton, Concord, Downey, El Cajon, Emeryville, Escondido, Fountain, Fremont, Fresno, Fresno County, Fullerton, Garden Grove, Hawthorne, Hayward, Huntington Beach, Huntington Park, La Habra, Lakewood, Lompoc, Long Beach, Los Angeles, Merced, Monterey, Monterey Park, National City, Oakland, Oceanside, Ontario, Oxnard, Palmdale, Palm Desert, Palm Springs, Paradise, Paramount, Pasadena, Pico Rivera, Pleasanton, Pomona, Porterville, Redwood City, Richmond, Riverside, San Bernardino, San Diego, San Jose, San Mateo, Santa Clara, Santa Maria, Stockton, Turlock, Upland, Walnut Creek, Watsonville, Westminster.
 
Learn also about Federal programs and common questions.
 
 

Colorado

 
Funds for home repairs and improvements grants are only available at the city and county levels (see the list below). Contact your local housing authority.
 
Colorado Housing Finance Authority (CHFA): doesn’t provide direct funding for home improvements.
 
Home repair funds are available locally in following counties and cities.
 
Cities:
 
Arvada, Aurora, Boulder, Colorado Springs, Commerce City, Denver, Englewood, Lakewood – Jefferson, Longmont, Pueblo, Westminster.
 
Counties:
 
Adams, Boulder, Broomfield, Cheyenne, Elbert, Kit Carson and Lincoln, Delta, Larimer, Jefferson.
 
Learn more
 
 

Connecticut

 
Connecticut has one state wide home improvement program and the organizations and cities below can help you. Contact them and your local housing authority.
 
Connecticut Department of Housing: have 1 direct program providing funds for “kids’ healthy home” programs.
 
Organizations providing home repair loans and help:
 
Capital for Change, Connecticut Housing Finance Authority, 2-1-1 Infoline, Hartford Community Loan Fund, Rebuilding Together
 
Cities:
 
Ansonia, Bridgeport, Brookfield, Bristol, Coventry, East Hartford, Ellington, Enfield, Fairfield, Granby,Groton, Hamden, Hampton, Hartford, Lebanon, Manchester, Meriden, Middletown, Milford, New Fairfield, New Haven, New London, Newtown, Norwalk, Norwich, Putnam, Shelton, Stafford, Stamford, Stratford, Tolland, West Hartford, West Haven, Windsor.
 
Learn also about Federal programs and common questions.
 
 

Delaware

 
Delaware has one state wide home improvement grant program, and counties and the city below can help you. Contact them and your local housing authority.
 
Delaware State Housing Authority: provides home improvement loans for low- and moderate-income homeowners.
 
Counties: Kent, New Castle, Sussex.
 
City: Wilmington.
 
Learn more
 
 

DC – Washington

 
Washington’s Department of Housing and Community Development: offer home improvement grants and loans.
 
Local organization:
 
Rebuilding Together: assists low-income, elderly and disabled homeowners with home repairs.
 
Learn also about Federal programs and common questions.
 
 

Florida

 
Florida doesn’t have a state wide home improvement grant program but the counties and cities below do and can help you. Contact them and your local housing department.
 
Florida Finance Housing Corporation: doesn’t offer direct funds for home repair and improvements.
 
Local funding is provided by the HOME programs at the city and county level.
 
Counties:
 
Alachua, Baker, Bay, Bradford, Brevard, Broward, Calhoun, Charlotte, Citrus, Clay, Collier, Columbia, De Soto, Dixie, Duval, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Glades, Gulf, Hamilton, Hardee, Hendry, Hernando, Highlands, Hillsborough, Holmes, Indian River, Jackson, Jackson, Lafayette, Lake, Lee, Leon, Leon, Levy, Liberty, Madison, Manatee, Marion, Martin, Miami-Dade, Monroe, Nassau, Okaloosa, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Santa Rosa, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, Suwannee, Taylor, Union, Volusia, Wakulla, Walton, Washington.
 
Cities:
 
Clearwater, Daytona Beach, Ft Lauderdale, Gainesville, Hialeah, Hollywood, Jacksonville, Lakeland, Miami, Miami Beach, Orlando, Pompano Beach, St Petersburg, Tallahassee, Tampa, West Palm Beach.
 
Learn more
 
 

Georgia

 
Georgia does not offer a state wide home improvement program but the counties and cities below do and can help you. Contact them and your local housing department.
 
Georgia’s Department of Community Affairs: doesn’t have a direct program for home improvement and repairs.
 
Local funds are provided by the HOME for home improvement assistance in the counties below.
 
Counties:
 
Albany, Athens-County of Clarke, County of Clayton
Atlanta, Augusta-County of Richmond, County of DeKalb, County of Gwinnett, County of Richmond, Columbus, County of Muscogee, Macon, Savannah.
 
Learn also about Federal programs and common questions.
 
 

Hawaii

 
Hawaii has one state wide home improvement grant program. Plus the counties and the city below can help you. Contact them and your local housing authority.
 
Hawaii Housing Finance and Development Corporation: provide money for home improvements and repairs through HOME.
 
Counties: Honolulu county, Kauai, Maui.
 
City:Honolulu
 
Learn more
 
 

Idaho

 
Idaho does not have a state wide home improvement grant but the counties below do and can help you. Contact them and your local housing agency.
 
Idaho Housing and Finance Association: doesn’t have a home repair program.
 
Cities:
 
Boise, Coeur d’Alene, Lewiston, Nampa, Pocatello.
 
Learn also about Federal programs and common questions.
 
 

Illinois

 
Illinois Housing Development Authority: have a revitalization and repair program providing funds to local organization and cities. The countis and cities below have their own programs. Contact them.
 
Counties:
 
Madison, McHenry, Will, Cook, DuPage, Lake, St. Clair, Urbana.
 
Cities:
 
City of Chicago, Decatur, East St. Louis, Evanston, Joliet, Peoria, Rockford, Springfield.
 
Learn more
 
 

Indiana

The state of Indiana has a state wide home improvement program plus the counties and cities below have their own managed by their housing departments.
 
Indiana Housing and Community Development Agency: has a home improvement, repairs programs and weatherization.
 
Cities/counties:
 
Anderson, Bloomington, Columbus, East Chicago, Elkhart, Evansville, Fort Wayne, Hammond, Indianapolis Lafayette/ West Lafayette, Mishawaka, Muncie, South Bend, Terre Haute.
 
Learn also about Federal programs and common questions.
 
 

Iowa

 
The state of Iowa has home improvement grant funds covering the whole state. The housing authorities of the counties and cities below have their own programs.
 
Iowa Finance Authority: provide funding for home repairs.
 
Counties:
 
Benton, Iowa, Johnson, Jones, Linn, Washington,Bremmer, Buchanan, Butler, Chickasaw, Grundy,Adair, Adams, Clarke, Decatur, Madison, Ringgold, Taylor and Union counties, Cass, Fremont, Harrison,Mills, Montgomery, Page, Pottawattamie, Shelby,Polk.Des Moines, Henry, Lee.
 
Cities:
 
Cedar Rapids, Council Bluffs, Des Moines, Dubuque, Iowa City, Waterloo, West Des Moines.
 
Learn more
 
 

Kansas

 
The state of Kansas does not have a state wide home improvement repair or grants program but the county and cities below do and can help you. Contact their housing agency.
 
Kansas Housing Corporation: doesn’t have a specific home repair program. Resources are available locally.
 
Counties: Johnson County.
 
Cities:
 
Atchison, Kansas City, Lawrence, Leavenworth, Manhattan, Olathe, Overland Park, Salina, Shawnee, Topeka, Wichita.
 
Learn also about Federal programs and common questions.
 
 

Kentucky

 
The state of Kentucky has a few home repair and improvement programs provided by the organizations below. The cities and counties below have their own program and you should contact their housing agency.
 
In Kentucky, the following government organization provide home repairs help and programs:
 
Kentucky Housing Corporation,Federal Home Loan Bank of Cincinnati,
Housing Partnership (residents of Jefferson County), Federal Appalachian Housing Enterprise (Appalachian communities).
 
Cities/counties:
 
Ashland, Bowling Green, Elizabethtown, Hopkinsville, Lexington, Louisville, Owensboro.
 
Learn more
 
 

Louisiana

 
Louisiana has home improvement funds covering the whole state. The housing authorities of the counties and cities below also have their own programs. To see if you qualify contact their housing department.
 
Louisiana Housing Corporation: provide home improvement and energy conservation loans.
 
Cities/Parish:
 
Alexandria, Baton Rouge, Bossier, Kenner, Lake Charles, Monroe, Shreveport. Parish of Houma/Terrebonne, and Jefferson.
 
Learn also about Federal programs and common questions.
 
 

Maine

 
Maine Housing Authority: provides funds for weatherization and energy saving. The cities below have their own home improvement programs, contact their housing authority.
 
Organization:
 
Rebuilding Together: assists low-income, elderly and disabled homeowners in Lincoln County, plus the Lewiston/Auburn area with home repairs.
 
Cities: Auburn, Bangor, Lewiston, Portland.
 
Learn more
 
 

Maryland

The state of Maryland have a state wide program, plus the counties and cities housing agencies have their own programs.
 
Maryland Department of Housing and Community Development: has home improvement loans to bring properties up to applicable codes and standards.
 
Counties:
 
Anne Arundel, Baltimore, Harford, Howard, Montgomery, Prince George’s
 
Cities: Annapolis, Baltimore, Bowie, Frederick, Hagerstown
 
Learn also about Federal programs and common questions.
 
 

Massachusetts

 
Massachusetts have the home improvement and repair programs below. Contact these organizations for find about funding and their eligibility.
 
MassHousing: provides home improvement, septic system repair, and lead paint removal loans.
 
Rebuilding Together: assists low-income, elderly and disabled homeowners with home repairs.
 
Massachusetts Rehabilitation Commission: provides home modification loan program for persons with disabilities.
 
Boston Building Materials Cooperative: provides discounted building materials, advice, and technical assistance.
 
Boston Building Resources: offers discounted building materials, advice and home improvement classes.
 
Cities:
 
Adams, Arlington, Boston, Brockton, Brookline, Cambridge, Fall River, Fitchburg, Framingham, Gardner, Gloucester, Haverhill, Holyoke, Hull, Lawrence, Leominster, Lowell, Lynn, Malden, Marlborough, New Bedford, Newton, Peabody, Plymouth, Quincy, Salisbury, Somerville, Southbridge, Springfield, Taunton, Waltham, West Springfield, Weymouth, Worcester, Yarmouth.
 
Learn more
 
 

Michigan

 
The state of Michigan have a home improvement program and the counties and cities below have their own home improvement grants program. Contact their housing authority.
 
Michigan State Housing Development Authority (MSHDA): provide property improvement loans up to $25,000 through approved lenders.
 
Cities:
 
Ann Arbor, Battle Creek, Bay City, Dearborn, Detroit, East Lansing, Farmington Hills, Flint, Grand Rapids, Kent, Lansing, Livonia, Muskegon, Oakland County, Royal Oak, Waterford Townships, Westland, Wyoming
 
Learn also about Federal programs and common questions.
 
 

Minnesota

 
Minnesota has the home loan programs in the cities and countes below, plus the USDA have its weatherizastion grant program in all rural counties.
 
Minnesota Housing Finance Agency: has the Minnesota Housing Fix Up Loan Program with up to $50,000 depending on the type of project and up to 20 years term.
 
Counties: All counties.
 
Cities: Minneapolis, St-Paul.
 
Learn more
 
 

Mississippi

 
Mississippi Home Corporation: provides home improvement loans through HOME for homeowner rehabilitation in all Mississippi counties and cities.
 
Counties/cities: All counties. Funds provided by the Mississippi Home Corporation.
 
Learn also about Federal programs and common questions.
 
 

Missouri

 
Missouri has a few home improvement grants programs managed by the organizastions below. The cities and counties below have their own programs (contact their housing authority).
 
Delta Area Economic Opportunity Corporation: provides home repairs assistance for low-income homeowners in Dunklin, Mississippi, New Madrid, Pemiscot, Scott and Stoddard counties.
 
Regional Planning Commissions: provides home repair assistance programs.
 
Missouri Housing Development Commission: have the home repair opportunity program (HeRO) offering up to $22,500 in cash assistance to eligible homeowners.
 
Counties/cities:
 
Columbia, City of Joplin, Independence, Kansas City, Lee’s Summit, St. Charles, St. Joseph, St. Louis City, St. Louis County.
 
Learn more
 
 

Montana

 
Montana Housing Department: doesn’t provide direct help for home repairs and improvements. The USDA provide help for most of the state. The cities below have their own programs; you should contact their housing department.
 
Cities: Billings, Great Falls, Laurel, Shelby, Havre, Missoula, Plentywood.
 
Learn also about Federal programs and common questions.
 
 

Nebraska

 
Housing Nebraska: doesn’t have a statewide program. Most counties’ help is provided by the USDA.
 
Cities: Allen, Hastings, Norfolk, North Platte, Omaha, Tekamah have their own home improvement programs. Contact their housing authority.
 
Learn more
 
 

Nevada

 
The cities and county housing department have their own home improvement programs. Contact their housing department for details. The USDA also have a weatherization program in all rural counties.
 
Nevada Housing Division: provide a weatherization assistance program to help reduce the energy cost plus health and safety.
 
Counties: Clark
 
Cities: Carson City, Henderson, Las Vegas, North Las Vegas, Reno, Sparks
 
Learn also about Federal programs and common questions.
 
 

New Hampshire

 
New Hampshire Housing Authority: provide loans for houses needed emergency repairs: up to $15,000 for terms up to 15 years.
 
Cities: Manchester, Nashua, Portsmouth housing agencies have their own programs. Contact them for more details.
 
Learn more
 
 

New Jersey

 
New Jersey home improvement programs are located in the counties and cities below. Contact their housing authorities.
 
New Jersey Housing and Mortgage Finance Agency (NJHMFA): no longer have a program with funds for home repair and improvements.
 
Counties:
 
Atlantic, Bergen, Burlington, Camden, Cumberland, Essex, Gloucester, Hudson, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Salem, Somerset, Union,
 
Cities:
 
Atlantic, Bergen, Burlington, Camden, Cumberland, Essex, Gloucester, Hudson, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Salem, Somerset, Union
 
Learn also about Federal programs and common questions.
 
 

New Mexico

A few counties in New Mexico have their own home improvement grants programs (see below), the state have a home repair loan available and the USDA weatherizastion programs is available in all rural counties.
 
New Mexico Mortgage Finance Authority (MFA): has a program named House by House Reservation Rehabilitation to provide assistance to low-income homeowners who lack the resources to make necessary repairs to their homes.
 
Cities: Albuquerque, Las Cruces, Santa Fe.
 
Learn more
 
 

New York

 
The state of New York has Residential Emergency Services to Offer (Home) Repairs to the Elderly (RESTORE).
 
The state also mange a weatherization program to assists income-eligible homeowners and renters by reducing heating and cooling costs through energy-conservation measures, while also addressing health and safety issues in their homes.
 
New York State Energy Research and Development Authority (NYSERDA): has a home energy efficiency programs provide assistance in completing energy efficiency improvements for a healthier, more comfortable home.
 
Cities: housing authorities below have home improvement/repair help programs.
 
Albany, Auburn, Bronx, Brooklyn, Buffalo, Cortland, Elizabethtown, Geneva, Ithaca, Kingston, Long Island, Lyons, Morrisville, New York/Manhattan, Monticello, Niagara Falls, Norwich, Penn Yan, Queens, Rochester, Schenectady, Stamford, Staten Island, Syracuse, Utica, Voorheesville, White Plains, Yonkers.
 
Learn also about Federal programs and common questions.
 
 

North Carolina

 
HOME program is used in some counties to provide home improvement assistance to homeowners. Verify with your county housing agency or department.
 
North Carolina Housing Finance Agency: provides financing to local government and nonprofit partners that may help you if you are elderly or have special needs and your income is low, you may be eligible for urgent repairs, comprehensive rehabilitation or accessibility modifications on your home.
 
Cities: Durham, Greensboro, Raleigh, Rocky Mount housing department have their own home improvement grants or repair loans.
 
Learn more
 
 

North Dakota

 
North Dakota Housing Finance Agency: provides funds to homeowners in its Rehab programs to rehabilitate every type of homes.
 
Cities: Bismarck, Dickinson, Fargo, Grand Forks, Jamestown, Minot, Williston housing authorities have their own home repair and improvement programs.
 
Learn also about Federal programs and common questions.
 
 

Ohio

Ohio only have home improvement programs in the counties and cities below. Their housing departments manage repair funds.
 
Ohio Housing Finance Agency: doesn’t have a home repair program.
 
Counties:
 
Butler, Cuyahoga, Cuyahoga, Franklin, Hamilton, Lake, Lucas, Montgomery, Stark, Summit.
 
Cities:
 
Cleveland (Neighborhood Housing Services of Greater Cleveland), Cincinnatti (People Working Cooperatively), Akron, Alliance, Barberton, Bowling Green, Canton, Cincinnati, Sandusky, Cleveland, Cleveland Heights, Columbus, Dayton, East Cleveland, Elyria, Euclid, Fairborn, Hamilton, Kent, Kettering, Lakewood, Lancaster, Lima, Lorain, Mansfield, Marietta, Massillon, Mentor, Middletown, Newark, Parma, Springfield, Steubenville, Toledo, Warren, Youngstown.
 
Learn more
 
 

Oklahoma

 
Oklahoma Housing Finance Agency: has a program to help refinance a home in order to pay for repair or improvements.
 
Cities: Lawton, Midwest City, Oklahoma City, Tulsa housing agencies have their own home improvement programs.
 
Learn also about Federal programs and common questions.
 
 

Oregon

 
Oregon Housing and Community Services: has a few programs helping homeowners with weatherization, health and safety, and energy conservation.
 
Organizations:
 
Reach CDC serves elderly and/or disabled low-income homeowners that reside in the City of Portland.
 
Unlimited Choices is a community based, private, non-profit corporation providing housing rehabilitation services.
 
Counties: their housing departments have their own home improvement programs.
 
Clackamas, Washington Cities: Albany, Beaverton, Corvallis, Eugene, Medford, Portland, Springfield
 
Learn more
 
 

Pennsylvania

 
Pennsylvania Housing Finance Agency (PHFA): provides 4 loan programs for different types of home improvement and repairs.
 
Counties: The housing department of the counties below offer home improvement grants and loans.
 
Allegheny, Beaver, Berks, Bucks, Chester, Cumberland, Dauphin, Delaware, Lancaster, Lehigh, Luzerne, Montgomery, Northampton, Washington, Westmoreland, York
 
Cities: The housing department of the cities below offer home improvement grants and loans.
 
Allentown, Altoona, Bensalem, Bristol, Carlisle, Erie, Harrisburg, Haverford, Johnstown, Lancaster, Norristown, Philadelphia, Pittsburgh, Reading, Scranton, Sharon, State College, Upper Darby, Wilkes-Barre, Williamsport, York
 
Learn also about Federal programs and common questions.
 
 

Rhode Island

 
Rhode Island Housing: provides home buyers renovation loans but doesn’t have a program for existing homeowners who need to do some home improvements.
 
Rebuilding Together: assists low-income, elderly and disabled homeowners with home repairs.
 
Counties: Charleston, Greenville, Lexington, Richland, Spartanburg, County,
 
Cities: Coventry, Cranston, East Providence, Lincoln, Pawtucket, Providence, Smithfield, Warwick, Woonsocket
 
Learn more
 
 

South Carolina

 
South Carolina State Housing Finance and Development Authority: provides funds through the HOME program for home improvement and repairs.
 
Counties: The housing authorities below have home improvement and repairs programs.
 
Charleston, Greenville, Lexington, Richland, Spartanburg, County
 
Cities: The housing authorities below have home improvement and repairs programs.
 
Aiken, Anderson, Charleston, Columbia, Florence, Greenville, Rock Hill, Spartanburg, Sumter, Hilton Head Island, Summerville.
 
Learn also about Federal programs and common questions.
 
 

South Dakota

 
South Dakota Housing Development Authority: has a Community Home Improvement Program (CHIP) providing low-interest loans for eligible borrowers to improve or repair the borrower’s single-family home.
 
Organizations:
 
GROW South Dakota: emergency repairs.
 
Inter-Lakes Community Action: emergency repairs and home rehab.
 
Rural Office of Community Services: energy and weatherization assistance.
 
Western South Dakota Community Action Agency: Weatherization Assistance Program.
 
 
Counties: Aberdeen, Sisseton, Yankton have programs.
 
Cities: Rapid City, Sioux Falls have programs.
 
Learn more
 
 

Tennessee

 
Tennessee housing development agency: has a few home loan programs for different situations such as emergency home repairs, weatherization assistance, repair loans, and housing modification loans.
 
Counties: Knox, Shelby.
 
Cities:
 
Bristol, Chattanooga, Clarksville, Cleveland, Franklin, Jackson, Johnson City, Kingsport, Knoxville, Memphis, Morristown, Murfreesboro, Nashville, Oak Ridge.
 
Learn also about Federal programs and common questions.
 
 

Texas

 
The state of Texas have a state wide home improvement grants program and the counties and cites below housing departments have their own programs.
 
Texas Department of Housing and Community Affairs: provides home repair and home improvement finding in a few programs.
 
Counties:
 
Brazoria, Fort Bend, Harris, Hidalgo, Travis. Cities: Abilene, Allen, Amarillo, Arlington, Austin, Baytown, Beaumont, Brownsville, Bryan, Carrollton, College Station, Corpus Christi, Dallas, Denison, Denton, Edinburg, El Paso, Flower Mound, Fort Worth, Frisco, Galveston, Garland, Grand Prairie, Harlingen, Houston, Irving, Killeen, Lewisville, Lubbock, McKinney, Mesquite, Midland, Mission, New Braunfels, Odessa, Pasadena, Plano, Rowlett, San Angelo, San Antonio, San Marcos, Sherman, Texarkana, Texas City, Tyler, Waco, Wichita Falls.
 
Learn more
 
 

Utah

 
Community Development Corporation of Utah: provides grants and loan to help with home repairs and home improvements, plus many home rehabilitation programs funded at the county level.
 
Counties: housing agencies with home improvement programs.
 
Beaver, Castle, Davis, Salt Lake, Summit, Utah, Watsach, Washington, Weber.
 
Cities: housing agencies with home improvement and repair programs.
 
Ogden, Provo, Salt Lake City, West Valley have home improvement and repairs programs.
 
Learn also about Federal programs and common questions.
 
 

Vermont

 
Vermont Housing Finance Agency: doesn’t currently have a home improvement program.
 
Counties:
 
Champlain Housing Trust: offers home improvement loans for residents of Franklin, Grand Isle and Chittenden counties.
 
Cities: Burlington, Montpelier, Windham/Windsor housing departments have repair programs.
 
Learn more
 
 

Virginia

 
Virginia Department of Housing and Community Development: offer home improvement and energy conservation loans.
 
Virginia Housing Development Authority: has a grant program for home modifications of disabled veterans.
 
Virginia Department of Historic Resource has tax credits to help finance repairs to older properties.
 
Rebuilding Together: can assist low-income, elderly and disabled homeowners with home repairs.
 
Counties:
 
Arlington, Chesterfield, Fairfax, Henrico, Loudoun, Prince William have home improvement programs.
 
Cities: their housing department have home improvement grants or loan programs.
 
Alexandria, Bristol, Charlottesville, Chesapeake, Colonial Heights, Danville, Fredericksburg, Hampton, Harrisonburg, Hopewell, Lynchburg, Newport News, Norfolk, Alexandria, Bristol, Charlottesville, Chesapeake, Colonial Heights, Danville, Fredericksburg, Hampton, Harrisonburg, Hopewell, Lynchburg, Newport News, Norfolk, Petersburg, Portsmouth, Radford, Richmond, Roanoke, Staunton, Suffolk, Virginia Beach, Waynesboro, Winchester.
 
Learn also about Federal programs and common questions.
 
 

Washington

 
Washington State Housing Finance Commission (WSHFC): finance the purchase or the refinance of a home in need of repair.
 
Rebuilding Together: assists low-income, elderly and disabled homeowners with home repairs.
 
Counties: housing authorities with programs.
 
Bellevue/East King, Benton/Franklin/Walla Walla, Columbia/Garfield, Ferry/Pend Oreille/Stevens, Kennewick, King, Kitsap, Pasco, Snohomish, South King, Spokane, TacomaSeattle, Whitman, Yakima.
 
Cities: housing agencies with programs.
 
Bellingham, Everett/Snohomish County, Kennewick, Kent, King County/outside of Seattle, Longview, Pasco, Renton, Richland, Seattle, Spokane, Spokane County, Tacoma, Vancouver/Clark County, Yakima.
 
Learn more
 
 

West Virginia

 
West Virginia Housing Development Fund: has a On-Site Septic Systems Loan Program. The program is designed to help eligible households repair or replace on-site septic systems or connect to a public treatment system.
 
Appalachia Service Project: is a volunteer-based organization helping homeowners fix or improve their house.
 
Cities: Charleston, Huntington, Martinsburg, Parkersburg, Wheeling.
 
Learn also about Federal programs and common questions.
 
 

Wisconsin

 
The state of Wisconsin organizations below have home improvement funding and the cities and counties below also have their own home repair programs.
 
Wisconsin Housing and Economic Development Authority (WHEDA): doesn’t have a specific program for home repairs.
 
Wisconsin Home Energy Assistance Program (WHEAP): can help with heating and electric assistance such as emergency furnace repair and replacement. This program is managed at your county level.
 
The Focus on Energy programs helps with everything related to energy cost, plus heating and cooling.
 
Counties:
 
Dane, Milwaukee, Waukesha. Cities: Appleton, Beloit, Eau Claire, Green Bay, Janesville, Kenosha, La Crosse, Madison, Milwaukee, Oshkosh, Racine, Richland, Sheboygan, Superior, Waukesha, Wausau, West Allis.
 
Cities: Beloit, Green Bay, Madison, Milwaukee.
 
Learn more
 
 

Wyoming

 
Wyoming Community Development Authority (WCDA): doesn’t have a homeowner program for home improvment or repairs.
 
Wyoming Energy Council: manage the weatherization program in wyoming.
 
Cities: Casper, Cheyenne.
 
Learn also about Federal programs and common questions.