MyFinancialPrograms

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

In the case of a disaster the SBA can provides grants and home loans to impacted homeowners. The funding covers losses not covered by your insurance and FEMA assistance.

 

 

 

 

 

Veteran with a lower income living in a city or suburb:

HUD, Cities & Counties programs, State, Community Organisations, Disasters

Veteran with a lower income living in a rural area:

USDA, State, Community Organisations, Disasters

Veteran with a medium and higher income in a rural area:

USDA, State, Disasters, Home Improvement Loans

Veteran with a medium and higher income in a city or suburb:

HUD, State, Disasters, Home Improvement Loans

HUD (Urban Housing Department) (2 programs)

HUD is the federal agency funding the New York’s Housing agencies: in its counties and cities. HUD have many programs from home buyer help, renter help, homeowners funding among many for home repairs and improvements.

 

2 loans programs helps people renovate, rehabilitate or improve their home (mobile homes included). Both are loan insurances for New Yorker homeowners who couldn’t otherwise get a loan:

Rehabilitation and repair loan (insurance): Known as “Title I Property Improvement Loan Program”, it helps you if you have not enough equity for a traditional loan, and the FHA (part of HUD) insure your loan for your lender.

• – House Loan amount limit: $25,000
• – Mobile home Loan amount limit: $25,090

203(k) Rehabilitation Mortgage Insurance: This a special FHA loan that allows you to finance both the purchase or refinancing of a house and the cost of renovations into a single mortgage.

• – Limited 203k loan: Projects less than $35,000.
• – Standard 203k loan: Projects over $35,000.

In both Tittle 1 and 203(k), the money for the renovations is put in an escrow account and is only released to the contractor when the work is completed and inspected by a qualified professional. This helps ensure that the renovations are done properly and that the money is used for its intended purpose. It protects both the lender and you the homeowner.

State of New York Housing Division (3 programs)

The State have 3 main programs helping homeowners with home repairs and improvements.

ReStore Program for Seniors

 

The program provides financial resources to assist senior citizen homeowners age sixty and over to fix emergencies and code violations that pose a threat to their health and safety of their home. Funds are offered through local cities, borough and community organizations. Verify there if they offer the program and funding in your area.

Weatherization Assistance Program (WAP)

New York state WAP assists income-eligible homeowners and renters in our state by reducing heating and cooling costs through energy-conservation measures, while also addressing health and safety issues in their homes.

	Spent per Home	Homes Weatherized	Budget
New York	$8,009	21,131	$221M

Home Energy Assistance Program (HEAP)

 

Helps low-income people pay the cost of heating their home by receiving one regular HEAP benefit per season. Find the latest eligibility requirements.

 

New York Community Organizations (66 programs)

Habitat for Humanity New York (38 programs)

 

Habitat have local chapter helping homeowners fix and repair their homes throughout the state.

Rebuilding Together New York (5 programs)

 

RT provides help to homeowners in 5 regions in the State: Dutchess County, Long Island, New York City, Olean,and Saratoga County.

Neighbor Works New York (5 programs)

 

This organisation have 5 local office helping New Yorkers with homeownership and home repair help.

Seniors Help for a Healthy Home (many programs)

The State offer many free help and service to help seniors staying in a healthy home longer.

You can also see all aging programs offered by the State.

New York Rural Residents (1 program)

The USDA provide home improvement loans and government grants for home repairs to low-income homeowners in rural areas

NY homeowner amounts:

Grant (average): $7,540

Loan (average): $8,630

Who may apply for this program?

To qualify, you must:

• – Be the homeowner and occupy the house
• – Be unable to obtain affordable credit elsewhere
• – Have a family income below 50 percent of the area median income
• – For grants, be age 62 or older and not be able to repay a repair loan

What is an eligible area?

Applicants may check the address of their home to determine eligibility.

How may funds be used?

• Loans may be used to repair, improve or modernize housing or remove health and safety hazards
• Grants must be used to remove health and safety hazards

How much money can I get?

 

• – Maximum loan is $40,000
• – Maximum grant is $10,000
• – Loans and grants can be combined for up to $50,000 in payment assistance

What are the terms of the loan or grant?

• – Loans can be repaid over 20 years
• – Loan interest rate is fixed at 1%
• – Full title service is required for loans of $7,500 or more
• – Grants have a lifetime limit of $7,500
• – Grants must be repaid if the property is sold in less than 3 years
• – If applicants can repay part, but not all of the costs, applicants may be offered a loan and grant combination

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.

New York Counties and Cities (135 programs)

Most counties have approved home repair and government grant programs and most major cities also have similar help for homeowners. Cities and counties received over $458M ($318M CDGB + $140M HOME) last fiscal year to help residents with various programs.

If you don’t see your county or city below you should contact it directly and ask them if the city have a home repair program.

New York City

New York City offer home repair, improvement and preservation programs through its 5 Boroughs and 2 programs specifically for seniors in all borroughs (see below).

Seniors Home Repair and Modification (2 programs)

 

HomeFix (1 program)

 

This home repair program offer favorable loan terms for senior households as well as need evaluation and follow through during while repairs are made.

 

Parodneck Foundation (1 program)

 

SHARP program provides no or low-interest loans and technical assistance to qualified seniors. This support enables seniors to retain their homes and improve their living conditions, while helping them avoid financial insolvency. To be eligible a senior must reside in any of the five boroughs in the City of New York, be at least 60 years old, and have been an owner-occupant of a one- to four-family home for at least two years. The program offers 3 different types of of very low cost loans to senior homeowners.

Kings County – Brooklyn Borough (21 programs)

Neighborhood Housing Services (2 programs)

 

Home Repair Loans: Program offers low-interest financing for homeowners seeking home repairs. Homeowners can obtain loans of up to $100,000 at interest rates of 3-6% for 1- to 4-unit properties.

Accessibility Assistance Grant for Brooklyn Veterans: The program helps improve mobility of veterans in their homes.

Home Repair and Preservation Financing (19 programs)

 

Queens’ burrough offers 19 programs to help repair, preserve and rehabilitate housing. The programs target everyone living in the burrough, from seniors needing help staying longer in their homes to multi-family housing needed repairs or improvement to older housing with retrofitting or energy saving projects.

Queens County – Queens Borough (20 programs)

Emergency Home Repair Program: Queens’ Neighborhood Housing Services (NHS) offer low-interest forgivable loans to finance emergency home repairs for homeowners with 1 to 4-unit properties.

Repairs can cover: Water mains, Boilers, Sewer lines, Sidewalk violations, Roofs, Plumbing, Electrical problems, conditions dangerous to health and safety.

Home Repair and Preservation Financing (19 programs)

Queens’ burrough offers 19 programs to help repair, preserve and rehabilitate housing. The programs target everyone living in the burrough, from seniors needing help staying longer in their homes to multi-family housing needed repairs or improvement to older housing with retrofitting or energy saving projects.

New York County – Manhattan Borough (19 programs)

HOMEFIX REHAB PROGRAM:

• – Low- or no interest and potentially forgivable loans of up to $60,000 per home, with an additional $30,000 per additional rental unit.
• – Financing for home repairs to eligible owners of one- to four-family homes in New York City.
• – Anticipated maximum loan amount of $150,000 for a four-family home, with a maximum loan amount as follows: 1 unit: $60,000 / 2 units: $90,000 / 3 units: $120,000 / 4 units: $150,000

Home Repair and Preservation Financing (19 programs)

 

Manhattan Borough have many different programs to help repair, preserve existing single and multi-family housing and develop new ones. Most programs take the form of low cost financing to help achieve secure and better housing for Manhattan residents.

See the full list housing repair and preservation programs.

Suffolk County (0 program)

The county does not offer direct home improvement funding at this time.

Long Island East (5 programs)

Long Island East have the same 5 programs as Long Island West.

Bronx County (3 programs)

HOMEFIX REHAB PROGRAM: The program help homeowners repair and renovate housing to bring it to the safety and health code. Possible but not limited to include, but is not limited to, roof, heating system, hot water heater, electrical system, plumbing system, sidewalks/paving, accessibility measures to help seniors, energy efficiency upgrades, and more. It offers:

– Low or no interest and potentially forgivable loans of up to $60,000 per home, with an additional $30,000 per additional rental unit.

– Financing for home repairs to eligible owners of one- to four-family homes in New York City.

– Anticipated maximum loan amount of $150,000 for a four-family home, with a maximum loan amount as follows: 1 unit: $60,000 / 2 units: $90,000 / 3 units: $120,000 / 4 units: $150,000

Bronx Borough (2 prograns)

Home Repairs: Bronx NHS has Home Repairs Grant/Loan programs for owner occupants of 1-4 family homes. It can also facilitate loans for owners of 5-20 residential units or mixed-use properties.

1-4 Unit Occupants provides homeowners with loans and grants to repair water main, boiler, sewer lines, sidewalk violation, roof, plumbing, electrical and eliminate conditions dangerous to health and safety. Other emergency repairs may apply. Currently the Project HELP Program maximum conditional grant/loan amount is $20,000 dollars.

Program covers:

– Structural alterations and reconstruction.

– Elimination of health and safety hazards including the resolution of defective paint surfaces or lead based paint problems on homes built prior to 1978.

– Reconditioning or replacement of plumbing including connecting to public water and/or sewer system, heating, and to bring electrical systems to code.

– Roofing, gutters and downspouts.

– Energy conservation improvements. e.g., new double pane windows, steel insulated exterior doors, insulation, caulking and weather-stripping, etc.

– Improvements for accessibility to a Disabled Person. e.g., remodeling baths for wheelchair access, installing wider doors and exterior ramps, etc.

 

 

Nassau County (1 program)

The county fund and let municipalities manage its residential rehabilitation program. The work performed may include energy saving items such as, windows, doors, roofs, high efficiency boilers, and burners. Architectural barrier removal and handicap accessibility, lead based paint testing and abatement are also eligible items under this program.

Example of exterior work: Windows, Vinyl Siding, Re-point Brick Stoop, New Stoop, Roof, Flat roof, Leaders & Gutters, New Garage Door, Access Ramp, Garage Door, Railing.

Example of interior work: Boiler, Doors, Water Heaters, Electrical Upgrades, Handicap Bathrooms, Handicap Ramps/Lifts, Handrails.

Contact your local municipality housing department for more information and available funding.

Long Island West (5 programs)

Home Improvement Program: Provides income-eligible households the resources to make necessary repairs that will correct basic structural defects or repair basic building systems which threaten, or if not corrected could threaten, the health and safety of the dwelling’s residents. Funds are available based on need and on meeting the individualized needs for each household that applies.

Typical repairs may include but are not limited to:

– Heating System Replacements

– Electrical Service Upgrades

– Roof Replacements

– Siding

– Gutters

– Energy Efficiency Measures

– Windows & Doors

– Handrails, Stoops, and Walkways

– Structural Corrections

– Health & Safety Measures

Home Improvement Loan: Provides provide low-interest home improvement loans for eligible Long Island homeowners. We will help to identify the repairs, contract with licensed contractors to get the best prices, and finance the cost of repairs up to $25,000. Loans are for a period of 15 years and can be paid off in advance with no prepayment penalty. All loans will be secured with a note and mortgage. Interest rates vary between 3% or 5%.

Eligible for the following types of repairs:

– Electrical

– Plumbing

– HVAC

– Energy Efficiency Measures

– Structural and Health & Safety Measures

Emergency Home Repair Program:

– Home Repairs up to $5,000 for emergency repairs

– Must be owner-occupied single-family homes

– Household income cannot exceed 120% of the Area Median Income for Long Island

Repairs that are covered include, but are not limited to:

Hot water heater; Heating system; Roof repair (due to leak); Wind damage (due to storm); Tree removal; Termite

treatment or damage; Broken window(s); Removal of an oil tank; Chimney repair; and Basement leaks.

Access to Home Program: Provides home accessibility modifications to income-qualified homeowners with a disability or those living with a family member that has accessibility needs.

Home modifications may include:

– Ramps and lifts, handrails, expanded doorways, stair glides

– Kitchen and bathroom modifications

– Roll-in showers, grab bars and seat

– Special thermostatic and environmental controls

RESTORE Program: Provides income-eligible homeowners, 60 years of age and older, the resources to make necessary emergency repairs to address hazardous conditions posing a threat to life, health or safety of the elderly homeowner. Funds for repairs up to $10,000 per home.

Typical repairs may include:

– Heating system repairs or replacements

– Electrical repairs or upgrades

– Plumbing repairs that pose a health risk such as water supply and septic issues>- Structural repairs such as deteriorated foundations, roofs, floors, stairs, decks, doorways, windows and porches.

– Accessibility measures such as ramps and grab bars

Westchester County (2 programs)

Septic System Rehabilitation + Sewer Connection: The Program provides financial assistance to income eligible commercial and non-commercial property owners who have an on-site septic system in the watershed and meet one of the following two criteria: 1) a property line within 100 feet of a sewer line, 2) with a failing septic system for which there is no available sewer line within 100 feet from the property line for three (3) years from the year the application is submitted.

Seniors Home Repairs: Low-income seniors may be eligible for free repairs to make their homes more energy efficient through the Weatherization Referral Assistance Program (WRAP).

Energy-related repairs: includes adding insulation to walls, ceilings or attics; air-sealing repairs to walls and floors if heat is being lost; programmable thermostats; and replacement or repair of outside doors, hot water tanks (including the insulation jacket) and broken storm windows in areas of the home that are heated.

The maximum monthly income for one person to be eligible is $2,146; for two people, the maximum is $2,806. Funds are provided in grants up to a maximum of $5,000 per household on the basis of financial need and if the repair can be successfully done.

Erie County (5 programs)

Housing Rehabilitation Program: The loan program assists eligible owner-occupied of one to two-family households to help with essential repairs. The program aims to eliminate substandard living conditions and prolong the useful life of homes. Assistance is provided in the form of repayable loans of up to $15,000 that are issued at a 0% fixed interest rate.

Typical work items include: roofing, energy conservation, siding repair and/or replacement, and upgrading of mechanical systems such as plumbing, heating, and electric. Essential handicapped accessibility work is also eligible.

Lead Paint Remediation: This grant program allows low and moderate income homeowners who have children under the age of 6 residing in the home to make essential repairs to make their home lead safe. A certified lead testing firm will identify areas in your home where lead paint may be hazardous. A lead certified contractor will make repairs to those areas to remediate the lead paint hazard. Financial assistance is provided in the form of a grant for the cost of repairs to remediate lead paint hazards from the home. No re-payment is required.

Mobile Home Repair Program: Provides low interest deferred loans and grants to low-income individuals residing in mobile homes.

Eligible work:

– Exterior work, such as roofing or window replacement.

– Interior repairs necessary to address an emergency situation which threatens the health and safety of the occupants.

– Handicapped accessibility work.

Housing Accessibility Program: Program allows wheelchair-bound low – and moderate-income individuals with documented disabilities that significantly impair mobility to make essential accessibility improvements to their owner-occupied home. Loan assistance of up to $5,000 is available to assist with items such as access ramp installation, re-plumbing kitchen and bath to provide access to facilities, and installing a hard surface walkway from the ramp to where the vehicle is parked.

Utility Connection Program: The program help homeowners connect their houses to new community sewer and water lines can receive up to $5,000 to help with associated costs. Assistance is provided in the form of a 0% interest deferred loan that is not required to be paid back until the property is sold or transferred.

All 5 programs details.

 

City of Buffalo (1 program)

The City of Buffalo works with six Neighborhood Housing Service Agencies who administer Housing Assistance Programs. Programs vary and may include:

– Roofing – repair and replace severely deteriorated leaking roof.

– Emergency Repairs: break in sanitary system, break in water or sewer line, electrical hazards at main panel, hazardous chimney.

– 50/50 Rehabilitation Match – low income, first time homebuyers grant for 1 or 2 family homes.

– Weatherization – energy audits, insulation, air sealing, furnace, hot water or boiler.

MASTEN DISTRICT:

ELLICOTT DISTRICT/NIAGARA DISTRICT

FILLMORE DISTRICT/LOVEJOY DISTRICT

NORTH DISTRICT

SOUTH DISTRICT

DELAWARE DISTRICT/UNIVERSITY DISTRICT

Monroe County (1 program)

Home Improvement Program: Provides grants up to $14,000 and can combined with a 3% loan to income-eligible homeowners for home repairs and improvements in the suburban towns and villages. Applications are processed on a first-come, first-served basis.

Eligible repairs include structural (roof, foundation, windows, exterior paint or siding), major systems (plumbing, heating or electrical) and accessibility accommodations (ramps, lifts, doorways, bathrooms). Routine maintenance, remodeling and cosmetic improvements are generally not eligible repairs.

 

City of Rochester (4 programs)

 

Emergency Assistance Program (EAP): Provides financial assistance to eligible homeowners who own a one to four family, residential property to help with emergencies with furnace and boiler, hot water tanks and/or water service.

Eligibility:

– Must be a home located in the city of Rochester.

– Applicants must be the owner of the property (You may be ineligible for the program(s) if the deed to the property lists multiple owners who do not reside in the property).

– Total household income cannot exceed 80% of HUD’s area median income (guidelines change annually).

– City of Rochester and Monroe County taxes must be current and not subject to foreclosure.

– Property owner must be current on mortgage payments and not subject to foreclosure.

Housing Rehabilitation Program: Eligible repairs include those to address lead-based paint hazards, health and safety hazards, code violations and other environmental issues.

Owner Occupant Roof Program: The city offers financial assistance for roof replacement to eligible owner-occupants of a one- or two-family residential property through a lottery.

Lead Hazard Control Program (LHCP): Program offers financial assistance to eligible homeowners who own a one to four family residential property, built before 1978, located in the city of Rochester to remediate lead hazards.

Example of eligible repairs may include window and/or door replacement, siding, porch repair or replacement, painting, and soil remediation.

See eligibility & details for those 4 programs.

 

Richmond County – Staten Island Borough (1 program)

HomeFix: Provides access to affordable low- or no-interest and potentially forgivable loans for home repairs to eligible owners of one- to four-family homes in New York City. HomeFix will offer loans up to $60,000 per home, with an additional $30,000 per additional rental unit, with an anticipated maximum loan amount of $150,000 for a four-family home, with a maximum loan amount as follows:

1 unit: $60,000

2 units: $90,000

3 units: $120,000

4 units: $150,000

Loan terms may vary from low- or no-interest to fully amortizing from zero to five percent interest, with favorable loan terms for low-income and senior households.

Repairs must address building system(s) or housing deficiencies or conditions which may be hazardous to occupants/residents are not limited to: roof, heating system, hot water heater, electrical system, plumbing system, sidewalks/paving, accessibility measures to help seniors, energy efficiency upgrades, and more.

Onondaga County (2 programs)

Shape-Up Program: Home repair program for elderly. Eligible homeowners can apply for help to cover the costs of necessary home repairs up to a maximum of $15,000.

Eligible repairs: Repairs to mechanical systems, such as water supply, plumbing, heating, and electrical. Repairs to the structure, such as roofs, foundations, porches, and stairs. Installation of safety and energy related items, such as deadbolt locks, smoke detectors, grab bars, storm windows, and insulation. Lead Hazard reduction as required by HUD Lead-Based Paint Regulations.

RAMP Program: Program make improvements in homes occupied by persons with a disability in order to improve their accessibility. Typical improvements include installation of exterior ramps and bathroom and kitchen modifications.

ELIGIBLE WORK: Modifications may include alterations to porches, steps, and doorways and the installation of a ramp, and may also include installation of bathroom and/or kitchen fixtures and other accessories to facilitate use by the disabled person. Bathroom relocation will also be considered if modifications to the present bathroom are not feasible.

City of Syracuse (2 programs)

Urgent Care Program: Provides income-eligible homeowners with loans of up to $25,000 with a grant of 50% of the loan amount for emergency and safety:

Leaking Roof, Sewage/Plumbing Leak, Non-Working Furnace, Electrical Emergencies, Foundation Collapse, Ramps, Priority Code Violations and other health/safety issues.

SHARP Grants: Provides income-eligible homeowners with grants of up to $1,500-$3,000 for exterior and/or interior emergency home repairs.

Orange County (0 program)

The county does not have a specific grant or program for home repair at this time. Your best option is to go through one of the State’s programs or a community organisation.

Rockland County (2 programs)

 

Home Rehabilitation program: The county have a broad grants to fund home project but the details are rather not clear. You can contact the person in charge of the program at the botton of this page.

Bridges and Aging

Minor home repairs for senior: Volunteers repair, change and make improvements to enable seniors to stay longer and safely in their home. See list of possible item and contact info here.

Albany County (0 program)

The county does not have a specific grant or program for home repair at this time. Your best option is to go through one of the State’s programs or a community organisation.

City of Albany (6 programs)

Lead-based Paint Control Program: The program includes lead testing and full abatement of lead paint up to $20,000.

Albany ACCESS: Provide financial assistance with the cost of adapting homes to meet the needs of those with disabilities to easily and comfortably live in their residences.

Homeowner Assistance Program (HOAP): Provides financial assistance to homeowners anywhere in the City of Albany if you are in need of home improvements such as new windows, doors, roof, or furnace.

Senior Rehabilitation Program (SRP): Provides grants of up to $5,000 for emergency repair to homeowners of 62 years of age or older to eliminate conditions that pose a threat to the health, safety and welfare of their occupants.

Rehabilitation Assistance Program (RAP): Provides grants of up to $5,000 for emergency repairs to housing units in order to eliminate conditions that pose a threat to the health, safety and welfare of their occupants.

Rehabilitation Assistance Program II (RAP II): Program provides grants of up to $5,000 to home owners above the income levels for Homeowners not eligible to the RAP program.

Find all programs details here.

Dutchess County (1 program)

REHABILITATION PROGRAM: Program upgrade existing owner-occupied housing by providing assistance to low and moderate-income senior citizen households to complete rehabilitation on properties with housing quality standard or code violations.

Saratoga County (0 program)

The county does not have a specific grant or program for home repair at this time. Your best option is to go through one of the State’s programs or a community organisation.

City of Saratoga Springs (0 program)

The city does not have a specific grant or program for home repair at this time but you refer yourself to the State programs above or the organisation below.

Rebuilding Together (1 program)

RT provides critical home repair and accessibility modification services for low-income homeowners.

Oneida County (0 program)

The county does not have a specific grant or program for home renovations at this time but you refer yourself to the State programs above. Your best option is to go through one of the State’s programs or a community organisation.

Niagara County (1 program)

The county does not have a specific grant or program for home renovations at this time but the organisation below have a few.

Neighbor Works (1 program)

Home Repair Grants: Program offer eligible homeowners a grant of up to $25,000 to bring homes into code compliance with the city of Niagara Falls, with no monthly payments or out-of-pocket costs. There is currently a waiting list for this opportunity.

City of Niagara Falls (2 programs)

Residential Housing Rehabilitation Programs

 

Deferred Loan Program: Finance up to 100% of the cost of property improvements at 0% with no monthly payments, 50% of the loan is forgiven after 3 years. The balance is due only when the title to the property is transferred. Maximum level of funding is $25,000.00 per single family home.

Housing Rehabilitation Assistance For First-Time Home Owners: Program provide closing cost assistance program may be eligible for housing rehabilitation assistance (Deferred Loan Program).

See both programs details.

Broome County (3 programs)

The county does not have a specific grant or program for home renovations at this time but the organisation below have a few.

First Ward Action Council

Access to Home Program: Provides financial help to low and moderate income residents to make their homes more accessible. Work includes building wheelchair ramps, installing handrails and widening bathroom doors to allow for wheelchairs.

RESTORE: Provides emergency grants to eligible seniors for items like new furnaces, roofs and other systems that have failed and constitute an immediate threat to their well-being.

Home Repair Service for seniors: Homeowners pay for materials while the council supplies skilled labor free of charge to install or change new faucets, rebuilding stairs, installing dead bolt lock and countless other repairs.

Ulster County (0 program)

The county does not have a specific grant or program for home renovations at this time but you can refer to the state programs. Your best option is to go through one of the State’s programs or a community organisation.

Rensselaer County (3 programs)

The county does not have a specific home improvement program for homeowners at this time but 3 organisations can offer help.

Triponline / Neighborwoods Works

Mini-Repair Program: Eligible mini repairs:

• – Porch and stair repair
• – Screen repairs
• – Installing handrails
• – Minor furniture and carpet repair
• – Minor roof work
• – Replacing window panes and caulking windows
• – Electrical: Replacing fuses, plugs, cords, etc.
• – Plumbing: Fixing faucets, replacing washers, unclogging drains, etc.
• – Painting: Minor painting and plastering
• – Insulation: Installing weather stripping and Wrapping hot water heaters
• – Safety Devices: Installing deadbolt locks, smoke detectors, etc.

HomeOwner Repair Program: The program provide fundinf for repairs up to $10,000 in assistance. This can include, but is not limited to:

• – Health & Safety Repairs
• – Roof replacement
• – Structural Repairs
• – Electrical Repairs
• – Plumbing Repairs
• – Heat System Repairs/Replacement
• – Window Replacement
• – Energy Efficiency Measures
• – Health & Safety repairs, and code-compliance corrections will be considered higher priority.
• – Cosmetic Repairs are not eligible.

CEOEmpowers

Weatherization program: the program’s auditors will develop a custom plan for your home using some or all of the following services:

• – Adding or improving insulation in walls, attics and crawl spaces
• – Adding weather-stripping on doors and windows
• – Caulking around openings
• – Patching holes in walls or windows
• – Testing, cleaning, repairing or possibly even upgrading heating systems

Eligibility Requirements: There’s an income requirements, but a household is eligible if a household member:

• – Receives supplemental security income
• – Is on the food stamp program
• – Is HEAP eligible
• – Is on Public Assistance

City of Troy (0 program)

The city does not have it’s own program but residents can access programs available in the county (see above).

Schenectady County (0 program)

The county does not have a specific grant or program for home renovations at this time. Your best option is to go through one of the State’s programs or a community organisation.

City of Schenectady (1 program)

 

Lead Safe Housing Program: The city provide lead hazard control, up to $12,000 per house, to eligible owners who own pre-1978 housing units that contain lead hazards in windows, siding, doors, walls, ceilings, and floors.

Confused about home improvement programs terms?

It can be confusing to understand the terms. Lots of different organizations have different words for the same type of help programs: home improvement grant, home repair grants, programs, free grants, relief service, repair assistance, etc. They are all synonyms of programs designed to help low and moderate income homeowners repair and fix important element of their house.