There are over 87 programs of home repair grants and home improvement grants in the cities of the state of Alabama available to lower income homeowner families and individuals. This article provides you with all the main home repair programs offered throughout the state in 2023.
There are 3 main sources of financial assistance for home improvement in New York:
You can review Federal and New York State home repair grants but ultimately your county and city housing departments are the ones you need to contact and where you can apply for funding.
In general in Alabama everyone is eligible to home improvement and repairs grants and assistance (find them all in this article). In reality, because the needs are so big, some groups like seniors, veterans, disable and low-income households are given priority. Even in those case, you need to apply as soon as possible because funds are limited.
So it’s often first arrived first served basis: apply early, don’t wait.
Each programs have their own eligibility, so you need to verify with programs in your area to see info you meet the income eligibility level.
In general, all repair and improvement programs are there to help with:
More precisely the following work and repair are usually covered by home improvement grants programs:
Home Modification and Repair: This program promote the safety and well-being of adults in their homes; designed to increase accessibility, reduce the risk of injury, and improve older adults’ ability to stay at home; it may also include the purchase of certain assistive devices. It’s managed locally by your local Area Agencies on Aging.
Home repair programs comes in many form but they are usually in the 5 types:
Home Repair Grants & Home Improvement Grants: Typically grants don’t need to be repaid. The organization providing the funding covers the cost of the work and you don’t pay anything back.
Volunteers and charities home repairs: Some organizations rely on volunteers to repair your home so there’s no cost to you.
Home improvement loans: These are traditional loans where you have to repay a fix amount monthly but they are usually with a lower than normal interest rate.
Home improvement loans paid at term: It’s a traditional loan paid back in full only when you leave or sell your home. This mean you have nothing to pay monthly. The organization offering these loans usually take a lien on your home to be certain to be paid in the future.
Forgivable home improvement loans: It’s a traditional loans but you do have to pay it back monthly. Instead after a few years the organization forgive your loan.
Note: In some rare case you may find yourself with a mix of the types above. In all cases the important is you get help to fix your home and keep it secured and a place for you to live in a safe and healthy home.
HUD is the federal agency providing help and funding to States’ Housing agencies, Counties and Cities. HUD have many programs from home-buyer help, renter help, homeowners funding for home repairs and improvements, among many programs.
The AHFA does not have a program for home preservation or repair.
With 25 local organisations throughout the State serving over 39 counties in Alabama Habitat provide help for new homeowners and in some case home repairs..
With 16 stores in Alabama, Habitat Restore offer low cost home repair materials as well as funitures and appliances.
Neighbor Works help seniors and low-income household with emergency and health related repairs. The organisation have 4 local chapters to help Alabamians.
RT help low income household of all ages fix and repair their homes in order to make it safe and healthy.
You can apply for their service here.
This organisation will soon start offering programs. Verify with their site if they started.
These 18 non profits located throughout Alabama offer many services to their residents area. One is often home repair assistance programs for low and moderate income homeowners.
Find your area CAA by looking on this map. Then contact your closest agency to see the programs they have for homeowners like you.
The State offer a home modification program to help seniors to go back to their home after a time spent in a nursing home. The program name is “Alabama Community Transition”. It can help make change to their home in order to make it safe to return. You can find the program details here.
You can also see all aging programs offered by the State of Alabama.
The USDA provide home improvement loans and government grants for home repairs to low-income homeowners in rural areas
Who may apply for this program?
To qualify, you must:
What is an eligible area?
Applicants may check the address of their home to determine eligibility.
How may funds be used?
How much money can I get?
What are the terms of the loan or grant?
Is there a deadline to apply?
Applications for this program are accepted through your local USDA’s RD office all year round
How long does an application take?
Approval times depend on funds availability in your area.
CDBG HOUSING REHABILITATION: Home Repairs Include: Electrical, Plumbing, Roofing, Flooring, HVAC, Doors, Accessibility, Ramps, Septic Tanks.
Find the program details here.
Critical repair housing rehab: In 2023, only the first 200 applicants were accepted.
Eligible repair: roof, exterior paint, plumbing, electrical, heat/air insulation and structural.
The city does not have its own home repair programs but Hoover resident can use Jefferson County housing rehabilitation programs.
Critical repairs: The program help homeowners repair or change their rood and other critical home structures. Applications are taken once a year in the Spring.
Verify this year dates to miss the deadline and latest program information.
Housing Rehab Programs: Provides a grant of up to $10,000 for home repair for qualified homeowners.
The county does not have a home repair program at this time. But the organisation below can help with some work.
Community Action Agency of Huntsville, Madison, Limestone Counties (1 program)
Weatherization Assistance Program: The goal is to improve the energy efficiency of the dwelling while ensuring the health and safety of the individuals.
Qualified work include: Air sealing the conditioned space of the home Installing insulation as required Sealing duct work Performing HVAC system cleaning Repairing leaky and/or faulty windows and doors Replacing incandescent light bulbs with highly efficient LED bulbs Health and safety checks on the home.
The city of Huntsville have 2 programs for home repair but you need to contact them to find more information about them:
Deferred Home Maintenance Repair Program
World Changers/Community Changers
Community Action Agency of Huntsville, Madison, Limestone Counties (1 program)
Weatherization program: Offers help and funding to qualified applicants including the following work:
Community Action Agency of South Alabama (1 program)
Weatherization Assistance Program: The program’s reduce energy costs for low-income families, particularly the elderly, people with disabilities, and children, by improving the energy efficiency of homes while ensuring health and safety.
Work involves insulating side walls, attic and ceiling cavities, sealing air leaks around windows and doors, water heater ceiling, smart thermostats and changing air filters.
Weatherization services: Provides free of charge to all eligible households in the MCA coverage area to services to reduce energy bills of low-income families by providing home repairs proven to be cost-effective and result in energy efficiency.
Typical energy saving measures include:
Community Service Programs of WEST ALABAMA (2 programs)
This organisation administer 2 programs for the counties of Bibb, Fayette, Greene, Hale, Lamar, Pickens, Sumter, and Tuscaloosa.
Weatherization: Program goal is to reduce energy costs for low-income families, particularly for the elderly, people with disabilities, and children, by improving the energy efficiency of their homes while ensuring their health and safety.
Typical measures include:
Housing rehabilitation: Funds are used to improve the energy efficiency of low-income homes using the most advanced technologies and testing protocols available in the housing industry.
The city does not have a home repair program. You need to verify with the local non profit.
S.D. Allen Ministries (1 program)
Rehab and Repair Ministries: Program assists community members with free home repair and safety modification services, at no cost to the recipient.
Habitat for Humanity (3 programs)
Lead hazard: Goal of the program is to improve the health and homes of low income residents of the city of Tuscaloosa by identifying and abating lead paint hazards.
Windows, door, paint, trim & siding: Homeowners and rental property owners within the Tuscaloosa city limits may qualify for grants to fund improvements for new windows,new doors, fresh paint, aluminum trim, vinyl siding.
Roof Replacement: Humanity of Tuscaloosa has partnered with Strengthen Alabama Homes to provide wind mitigation on existing, owner-occupied, single family homes in our service area. You may be eligible for a $10,000 grant to help replace your roof for a Fortified one.
Your home needs to be located in Greene, Hale, Pickens or Tuscaloosa County.
More program details and eligibility.
Hoover city does not have a home repair program. You need to verify with the local non profit and if you’re located in an eligible USDA area for their home repair program.
Montgomery Community Action Agency (1 program)
This organisation can provide on a case by case basis help with urgent repairs and housing health and safety issues. Contact them to find out the funds available and if you may be eligible.
No city program.
Alabama Council on Human Relations
Emergency Services: The organisation offer various programs to families and homeowners to, among others, save on home energy and home safety repairs.
Macon-Russell Community Action Agency (1 program)
Their programs for energy assistance help low income homeowners save on their energy bills.
See their program details and all their other homeowners services
Chambers-Tallapoosa-Coosa Community Action Committee (2 programs)
This organisation offer 2 programs helping homeowners with home weatherization and energy assistance.
Community Action Partnership of North Alabama (1 program)
Offers a weatherization program to save on energy bills.
The City of Decatur doesn’t have its own home repair program for resident. Look at the State program or with the USDA.
Community Action Agency of Talladega, Clay, Randolph, Calhoun, Cleburne Counties (3 programs)
Home Repair Assistance: Provides funds to homeowners needing home repairs to eliminate safety and health threats. Applicant must be actively receiving assistance with weatherization services or have an extreme emergent need for assistance with housing repair as relating to daily living or energy efficiency. For example, elderly with weather related illnesses, no heat or air currently in-home, high-energy burden, major appliances failing, or accessibility issues.
Program covers:
WEATHERIZATION PROGRAM: Reduce energy cost for low income Alabama Citizens by improving the energy efficiency of their homes.
Low Income Home Energy Assistance (LIHEAP): Provides assistance to pay energy bills for heating and cooling costs.
Program details and contact information
Community Action of Etowah County (3 programs)
3 programs offering help with Utility, Water and Weatherization for homeowners and renters.
Community Action Agency of Huntsville, Madison, Limestone Counties (1 program)
Weatherization: The program reduce energy costs for individuals and families by improving the energy efficiency of the dwelling while ensuring their health and safety.
Measures may include:
Community Action Partnership of North Alabama (2 programs)
2 programs offering Energy Assistance and Weatherization for area residents.
Southeast Alabama Community Action Partnership
Low Income Home Energy Assistance (LIHEAP): Provides assistance to pay energy bills for heating and cooling costs.
Community Action of Etowah County
3 programs offering help with Utility, Water and Weatherization for homeowners and renters.
Marshall County does not have a home repair program. You need to verify with the local non profit and if you’re located in an eligible USDA area for their home repair program.