MyFinancialPrograms

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Seniors (9)	City & suburb (9)
Disabled (9)	Rural (5)
Veterans (7)

FAQ

Can I get a $10,000 grant for home improvement?

What free grants for homeowners for repairs in Texas exist?

Who is eligible for government home improvement grant in Texas?

Confused about home improvement programs terms?

Who is eligible for government home improvement grant in Texas?

In general all homeowners are eligible for home improvement and repairs grants and assistance in Texas (find them all below). In reality, because the needs are so big, some groups like seniors, veterans, disabled 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.

Each program has their own eligibility, so you need to verify with programs in your area to see info you meet the income eligibility level.

Programs’ general eligibility by income and locations:

	Cities & Suburbs	Rural
Low income	WAP, Cities & Counties, Community, State, Disasters	USDA, WAP, Cities & Counties, Community, State, Disasters
Medium/High income	HUD, Home Improvement Loans, State, Disasters	HUD, USDA, Home Improvement Loans, State, Disasters

Important reminder: Programs such as cities or counties assistance programs determine eligibility based on the median income in your area. This means that even if you have a moderate income, you might qualify for these programs if you live in a wealthier area. In other words, it’s better to verify your edibility with each programs first before thinking you won’t be able to receive funding for your project.

Can I get a $10,000 grant for home improvement Texas?

Can you get a $10,000 grant for home improvement in Texas? Quick answer is yes. Find on this page all the information you need for home improvement programs by the State of Texas, by cities and by counties. Learn: how much they provide, if you’re eligible and where to apply.

Which free grants for homeowners for repairs in Texas exist?

In general in Texas, free grants for home repair help homeowners with:

• – Make sure your home does not harm the residents’ health.
• – Make sure your home structure is sound and may not hurt its resident.
• – Help renovate or repair some major part(s) of your home.
• – Help seniors and disabled residents stay in their homes longer and safer.

So yes, government grants for home repairs do exist and you can find them on this page.

More Home Repair & Renovation Help for Texans:

Funding Urgent Repairs : Find out how to quickly pay home repairs.

Common Home Repair Cost : Get an idea of the costs for common repairs.

Home Improvement Guide : Your complete guide to planning your next project.

Funding Home Improvements : Learn about financing options to support your renovation.

More Home Improvement & Repair Resources.

Windows (9 programs)

Windows can be expensive in Texas; broken windows, no longer opening, warped frame, drafty and leaking air are few among many common signs homeowners’ windows need repair or replaced. See also the Windows Replacement Guide for common window problems plus the 9 programs for window replacement.

Window programs for lower income living in a city or suburb:

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

Window programs for lower income living in a rural area:

USDA, WAP, Community, Cities & Counties programs, State, Disasters

Window programs for medium and higher income in a rural area:

USDA, Home Improvement Loans, State, Disasters

Window programs for medium and higher income in a city or suburb:

HUD, Home Improvement Loans, State, Disasters

Roof (8 programs)

Storm debris and damages, roof at the end of their lifespan, and wind are always signs of big expenses when it comes to a home roof in Texas. But not everyone have a sizable amount ready at any time to fix or replace its roof. We have a resource for roof replacement programs in Texas and you can also look at our Guide to repair or change your roof.

 

Roof help for lower income living in a city or suburb:

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

Roof help for lower income living in a rural area:

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

Roof help for medium and higher income in a rural area:

USDA, Home Improvement Loans, State, Disasters

Roof help for medium and higher income in a city or suburb:

HUD, Home Improvement Loans, State, Disasters

Foundation repair assistance (8 programs)

Cracks, uneven settling/heaving, soil conditions and drainage system issues are the most common problems requiring foundation repair in the State of Texas.

Foundation help for lower income living in a city or suburb:

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

Foundation help for lower income living in a rural area:

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

Foundation help for medium and higher income in a rural area:

USDA, Home Improvement Loans, State, Disasters

Foundation help for medium and higher income in a city or suburb:

HUD, Home Improvement Loans, State, Disasters

Electrical & plumbing assistance (8 programs)

Electrical: Faulty wiring, circuit breaker problems, and electrical panel issues are major concerns.

Plumbing: Leaky pipes, water heater malfunctions, and clogged drains are common plumbing problems.

Electrical and plumbing help for lower income living in a city or suburb:

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

Electrical and plumbing help for lower income living in a rural area:

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

Electrical and plumbing help for medium and higher income in a rural area:

HUD, USDA, Home Improvement Loans, State, Disasters

Electrical and plumbing help for medium and higher income in a city or suburb:

HUD, Home Improvement Loans, State, Disasters

Heating & Cooling Repair Assistance (10 programs)

AC and HVAC malfunctions, thermostat problems, and duct work leaks cause heating issues while AC compressor failures, refrigerant leaks, and airflow restrictions are major cooling problems for Texas homeowners.

Cooling and heating programs for lower income living in a city or suburb:

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

Cooling and heating programs for lower income living in a rural area:

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

Cooling and heating programs for medium and higher income in a rural area:

HUD, USDA, Home Improvement Loans, State, Disasters

Cooling and heating programs for medium and higher income in a city or suburb:

HUD, Home Improvement Loans, State, Disasters

Asbestos, lead paints & pipes removal (6 programs)

Lead paint and asbestos in are still one of the main health hazard in older homes. Removing them is costly and most local governments have a program to help homeowners removing this hazard.

Asbestos and lead programs for lower income living in a city or suburb:

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

Asbestos and lead programs for lower income living in a rural area:

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

Asbestos and lead programs for medium and higher income in a rural area:

HUD, USDA, Home Improvement Loans, State, Disasters

Asbestos and lead programs for medium and higher income in a city or suburb:

HUD, Home Improvement Loans, State, Disasters

Sewer & water line repair (6 programs)

Fortunately not frequent, replacing water line or sewers pipes is very costly. The programs below can help fund this repair or replacement depending of your income and where you live.

Water and sewer programs for lower income living in a city or suburb:

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

Water and sewer programs lower income living in a rural area:

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

Water and sewer programs medium and higher income in a rural area:

HUD, USDA, Home Improvement Loans, State, Disasters

Water and sewer programs medium and higher income in a city or suburb:

HUD, Home Improvement Loans, State, Disasters

Home remodeling incentives (8 programs)

In some cases a home can be remodeled if they need major repairs as long as the cost is not prohibitive. Since the total amount vary by program you have to verify on this page for programs in your area across the State.

Lower income living in a city or suburb:

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

Lower income living in a rural area:

HUD, USDA, Community, WAP, Cities & Counties programs, State, Disasters

Medium and higher income in a rural area:

HUD, USDA, Home Improvement Loans, State, Disasters

Medium and higher income in a city or suburb:

HUD, Home Improvement Loans, State, Disasters

Bathroom remodel assistance (7 programs)

The programs’ goal in Texas is to bring bathroom to sanitary and health standards. Improving the bathroom finishing can be done with your own funds or a loan.

Lower income living in a city or suburb:

HUD, Low-Income Home Repairs, Cities & Counties programs, State, Disasters

Lower income living in a rural area:

USDA, Low-Income Home Repairs, Cities & Counties programs, State, Disasters

Medium and higher income in a rural area:

HUD, USDA, Home Improvement Loans, State, Disasters

Medium and higher income in a city or suburb:

HUD, Safe Home Improvement Loans, State, Disasters

Home modifications for disabled (10 programs)

Having a disability create issues in a home. Most funding resources let you upgrade and make modifications to your home in order to be able to live in it much longer. Ramps, bathroom and kitchen modifications, installation of grab bars, doorways enlargement, are all covered by accessibility programs.

 

Accessibility modifications for lower income living in a city or suburb:

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

Accessibility modifications for lower income living in a rural area:

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

Accessibility modifications for medium and higher income in a rural area:

HUD, USDA, Home Improvement Loans, State, Disasters

Accessibility modifications for medium and higher income in a city or suburb:

HUD, Home Improvement Loans, State, Disasters

Elderly assistance for home repairs in Texas (10 programs)

Most programs help you upgrade and make modifications to your home in order to be able to live in it much longer as a senior. Ramps, bathroom and kitchen modifications, installation of grab bars, are all covered by home adaptation programs for seniors.

You can find resources below and the curated resource for senior home modifications.

Senior home modifications for lower income living in a city or suburb:

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

Senior home modifications for lower income living in a rural area:

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

Senior home modifications for medium and higher income in a rural area:

HUD, USDA, Home Improvement Loans, State, Disasters

Senior home modifications for medium and higher income in a city or suburb:

HUD, Home Improvement Loans, State, Disasters

Cities and suburbs homeowners (10 programs)

Living in a Texan city is often more expensive and there are home improvement programs available to city and suburbs homeowners.

 

Home repair programs for lower income living in a city or suburb:

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

Home improvement for medium and higher income in a city or suburb:

HUD, Home Improvement Loans, State, Disasters

Rural Homeowners (9 programs)

Homeowners in Texas’ rural areas have less external resources but there are still resources available to them for home repair and improvements.

Rural homeowner with a lower income:

HUD, USDA, Community, WAP, Cities & Counties programs, State, Disasters

Rural homeowner with a medium and higher income:

HUD, USDA, Home Improvement Loans, State, Disasters

Disasters: FEMA in Texas (10s if resources)

When the Federal Agency FEMA declare some area(s) of Texas a disaster area, the area’s residents can then apply for financial aid.

You can find if your area is declared a disaster area by FEMA here then if it is, claim disaster assistance with the federal government. If you’re impacted by a disaster, you may be able to claim housing, financial, food, medical, etc.

SBA (4 programs)

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.

Veterans Home Repair & Rehab (7 programs)

The VA provide grants and loans to help veterans to adapt their housing to their needs when they have a disability. Also, Texas have its own veterans home repair programs. And naturally, veterans are also eligible to all existing home improvement programs:

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

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

Veteran with a lower income living in a rural area:

HUD, USDA, WAP, Community, Cities & Counties programs, State, Disasters

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

HUD, USDA, Home Improvement Loans, State, Disasters

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

HUD, Home Improvement Loans, State, Disasters

HUD (Urban Housing Department) (2 programs)

HUD is the federal agency funding the Texas’ Housing agencies, 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 Texas 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: 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: Projects less than $35,000.
• – Standard 203k: 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.

Texas TDHCA (2 programs)

TDHCA provides home repair and home improvement funding with a few repair assistance programs.

Homeowner Rehabilitation Assistance (HRA) Program

Purpose: The HRA program provides funding to low- to moderate-income homeowners for repairing, rehabilitating, or reconstructing homes that are no longer safe or habitable. The program focuses on essential repairs that address health, safety, and accessibility issues.

Funding Structure: Assistance is typically provided as either a grant or a deferred forgivable loan (which does not have to be repaid if certain conditions are met). The amount of assistance varies based on the extent of repairs and the specific requirements of the administering local government or nonprofit.

Eligibility:

Income: Must earn less than 80% of the Area Median Income (AMI), adjusted for family size.

Homeownership: The applicant must own and occupy the home that needs repairs.

Type of Repairs: The program is designed to address major home issues, including structural repairs, roofing, electrical, plumbing, and accessibility modifications.

Application Process: The program is administered through local entities like cities, counties, or nonprofit organizations that receive TDHCA funding. Homeowners must apply through these local partners, and funding is typically limited, so priority may be given based on the severity of the home’s condition.

Target Population: The program is especially beneficial for elderly homeowners, persons with disabilities, and low-income families living in rural areas or small communities.

More information

Texas Bootstrap Loan Program

Purpose: The Texas Bootstrap Loan Program is a self-help housing program that provides loans to very low-income families to either build or rehabilitate their homes. The program relies on the homeowner’s “sweat equity” (physical labor) to significantly reduce construction costs.

Loan Amount: Eligible homeowners can receive loans of up to $45,000 for building or rehabilitating a home. These loans are interest-free but must be repaid.

Sweat Equity Requirement: Homeowners must contribute at least 65% of the labor needed to construct or rehabilitate their homes. They can be assisted by family members, friends, or volunteers, but paid labor is limited.

Eligibility:

Income: Households must earn 60% or less of the Area Median Family Income (AMFI).

Land Ownership: Applicants must already own the land or have a lease-purchase agreement for the land where the home will be built or rehabilitated.

Self-Help: The program is designed for people willing to invest their own labor to reduce costs.

How it Works: Homeowners usually partner with nonprofit organizations approved by TDHCA to manage the project, provide technical assistance, and supervise the construction or rehabilitation process. The funds can be used for building materials and essential construction-related costs.

Target Population: The program primarily serves rural communities and very low-income families who may not otherwise qualify for traditional loans. It’s also useful for those looking to reduce costs by contributing their own labor.

More information

Community Organizations (73 programs)

Community Action agencies (26 programs)

These non-profit organisations offer many services to Texas residents. One of them is home repairs and the other is weatherization.

Both programs usually reply on state, county and federal funding to provide help at no or minimal cost.

Find your local agency.

Habitat for Humanity (19 programs)

Thanks to their volunteers, Habitat is a non-profit and among the biggest charities in Texas. Habitat rehabilitates houses for families and people in need. They may be able to help with home repairs and updates to make your home safer. This organization relies on you, or some neighbors if you’re elderly, to put some of the work into your home repairs. You can apply through Habitat to learn about help available in your area.

Habitat for Humanity ReStores (26 resources)

ReStores provide discounted used, surplus building materials, appliances and furniture.

Veterans Home Repair & Rehabilitation (2 programs)

Veterans Affairs Texas Loan Center offer loans and grants to qualifying veterans to adapt existing dwelling to meet specific needs up to $100,000 for a loan and up to $20,000 for a grant.

Texas Veterans Home Improvement Program provides below-market interest rate home repair loans to qualified Texas Veterans up to $50,000 with 2 to 20 years terms.

Texas Rural Residents (1 program)

The USDA provide home improvement loans and government grants for home repairs to low-income homeowners in rural areas. This program is also known as the “Section 504 Home Repair Program“.

 

TX homeowner amounts:

Grant (average): $8,6100

Loan (average): $6,690

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.

Weatherization Assistant Program

WAP is funded by the Federal but managed locally. It help improve or change, among other things, windows for energy efficient ones at no cost. It also pay for attic insulation and ventilation, repair or replace broken heating, cooling and water heaters, as well as many other small work to improve your home energy efficiency.

	Spent per Home	Homes Weatherized	Budget
Texas	$7,776	14,144	$150M

Find the program detail and contact your local organisation managing WAP.

LIHEAP

This program is mostly to help pay your heating and cooling cost but it may also help fix, repair or replace broken windows for energy efficient ones.

Find more info about the program eligibility and your local organisation managing LIHEAP

Free Home Repair Grants in Texas for Seniors

There are official eligible free home repairs for senior citizens Texas but they are not only for seniors. Seniors, just like all Texans, are eligible to the same home repair programs listed on this page.

Question: Are home repair for senior citizens free?

Answer: Yes, usually, but it’s often different for each program. Some programs are 100% free while some other require a contribution. In most case they are free if the senior have a low income. You will find those programs and your eligibility with on this page.

Question: Need modification to your home because of your age?

Answer: You can contact your local Area Agency on Aging to learn about home modifications programs for seniors (they often have home repairs programs for seniors).

You can also find specific home modification programs for seniors here.

Programs by County & City (53 programs)

Most Texas counties have approved home repair and government grant programs and most major cities also have similar help for homeowners. Cities and counties received over $350M ($243M CDGB + $107M 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.

Bell County

City of Killeen (3 programs )

Contact Killeen’s Community Development for it’s Home, Block Grants and Low income families tax credit (which can then be used for your home repairs).

Bexar County

City of San Antonio (4 programs)

San Antonio home repair grants and owner occupied rehabilitation loans are available for low-income and those who are not low-income. The loans come at much lower rates than traditional home rehabilitation loans!

Bowie County

City of Texarkana (1 program)

The Community Development Block Grant is available for Texarkana residents who want to make valuable upgrades to their home. You must apply with the city.

Brazos County

City of Bryan (3 programs)

The Homeowner Rehabilitation Assistance, Home foundation, and Minor Repair Program offers eligible owners a forgivable and low-interest loan for moderate to major and minor free home renovation programs of owner-occupied homes.

Cameron County

City of Brownsville (1 program)

Eligible Repair Work

• Improved Accessibility – Modifications to the home that improves a residents’ ability to use wheelchairs, canes, or walkers; or aids in the performance of activities of daily living, such as eating and bathing.

• Code Corrections – Correction of violation citations issued by city safety personnel (e.g. broken doors and windows, trapped roofs, vegetation that prevents safe entry/exit of the home).

• System Failures – Leaking roofs, rehabilitation of failing or inoperable systems including plumbing, electrical, or heating/air conditioning. Homes beyond repair and that fall within the program’s established budget may be eligible for reconstruction.

Collin County

City of Pallen (3 programs)

The CDBG Housing Rehabilitation Program is available to income-qualified Allen homeowners residing in a home built at least 25 years ago. Urgent Repair/Accessibility Program is available to income-qualified homeowners living anywhere in Allen. Property Improvement Program is a matching grant and available to income-qualified Allen homeowners living in a home built at least 25 years ago.

City of Frisco (1 program)

Frisco offers some home repair grants in Texas for those who qualify. You must meet certain income guidelines and your proposed repair must be able to contribute to city beautification efforts.

City of McKinney (3 programs)

McKinney grants for home updates might be able to help you make your home better. You can get help with repairs and help making updates to your home depending on your income level. You may also qualify for other assistance to make your home better.

City of New Braunfels (1 program)

New Braunfels provides low-income families with grants that can help you update your home. The program depends on how much money you make and the need you have for upgrades to your home. There are some limits to what the grant can be used for.

City of Dallas (2 programs)

Dallas have a broad home improvement and revitalization program which includes a low-cost, forgivable loan to the homeowner that won’t exceed the maximum allowable funding level of $50,000. 

City of Denton (1 program)

The city provides programs to assist low- and moderate-income homeowners living within the Denton city limits who cannot afford to complete major and minor repairs that, if left unattended, would jeopardize the health and safety of occupant

Ector County

City of Odessa (3 programs)

Home repair programs are available for Emergence repairs, Minor Repairs, and Rehabilitation/Reconstruction.

El Paso County

City of El Paso (3 programs)

The city has 3 programs for Minor home repairs, Sewers connection, Single housing rehabilitation.

Hidalgo County

City of Mission (1 program)

Mission residents can get help with community development block grants offered by the city. You must apply for the grant and must be able to provide it to contribute to a better community.

Jefferson County

City of Beaumont (1 program)

Owner Occupied Housing Rehabilitation Assistance is available to homeowners who need assistance with repairs to their principal place of residence.

The Beaumont community development agency may help you with home repairs. The agency uses grants to provide assistance to families who qualify to upgrade their homes.

Lubbock County

City of Lubbock (2 programs)

Lubbock’s community development department provides low-income families with assistance for home upgrades through grants. You can get help with the program if you plan to make upgrades to your home and if you cannot afford the typical upgrade.

McLennan County

City of Waco (1 program)

Waco offers an interest free loan of up to $50,000 to improve your home.

City of Midland (2 programs)

Residents may be able to get help with housing grants. The grants are able to provide up to $5,000 in money for rehabilitation efforts in your home. You must prove that the rehab you’re doing to your home will make the neighborhood better.

City of Amarillo (1 program)

Residents of Amarillo can get help with home upgrades. You must apply through the city to get assistance with the rehabilitation efforts.

Smith County

City of Tyler (4 programs)

Tyler might be able to help their residents with upgrades to their home. If you’re low-income and you need to upgrade your home, you can apply for assistance.

City of Arlington (3 programs)

Arlington provides homeowner assistance to residents who want to upgrade their home. They offer home repair grants in Texas as well as loan programs for families who are of moderate income. You must apply through the Arlington community development agency.

Taylor County

City of San Angelo (1 program)

Residents of San Angelo who need help with home repair grants may be able to get assistance. You must be a homeowner, must meet certain income guidelines and you must be doing repairs that are in the accepted categories.

Tarrant County

City of Fort Worth (3 programs)

The city have 3 main programs:

1- Facade improvement.

2- Priority repair: Emergency repair program and Mechanical failure repairs for work costing less than $5,000.

3- Weatherization assistance: Weatherization program technicians perform an energy assessment to determine which energy saving repair or service is most appropriate and cost-effective for each home.

Travis County

City of Austin (4 programs)

1. Architectural Barrier Removal Programhelps to make homes accessible for persons with disabilities & senior living in Austin.
2. GO REPAIR! Grant ProgramHelps fixing serious structural issues for homeowners in Austin who have a low-income.
3. Minor Home Repair Grant Program helps low-income homeowners make their homes safe.
4. Home Rehabilitation Loan Program provides a 0%-interest loans to help low income homeowners make their homes safe.

Wichita County

City of Wichita Falls (1 program)

Wichita Falls, might be able to provide you with home repair assistance to upgrade your home for free. The assistance program helps by using a portion of the community development grant to make your home better.

Confused about free home repair grants in Texas?

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.