How to Get Government Grants for Home Repairs in the U.S. (2025 Guide)

How to Get Government Grants for Home Repairs in the U.S. (2025 Guide)

Owning a home is part of the American Dream, but maintaining that dream can be expensive. From roof leaks to electrical problems, home repairs can add up quickly. The good news? You might not have to shoulder these costs alone. In the United States, various government programs offer grants and low-interest loans to help homeowners repair and upgrade their homes. If you’re struggling with essential repairs, here’s everything you need to know about getting help.

Why Government Help Matters

Home repairs aren’t just about comfort — they’re about safety, health, and energy efficiency. Broken heating systems, faulty wiring, and structural damage can put families at serious risk. Recognizing this, federal, state, and local governments have developed programs that offer financial assistance to eligible homeowners, especially those with low or moderate incomes, seniors, veterans, and people with disabilities.

Getting a grant or subsidized loan can mean the difference between living in a safe, comfortable home and facing mounting repair bills or unsafe living conditions.

Major Federal Programs Offering Home Repair Assistance

Several key programs are available nationwide:

1. Section 504 Home Repair Program (USDA)

Also known as the Single Family Housing Repair Loans & Grants program, this initiative helps very low-income homeowners in rural areas.

  • Grants of up to $10,000 are available for seniors (62+) to remove health and safety hazards.
  • Loans of up to $40,000 at a 1% interest rate are available for general repairs and improvements.
  • To qualify, you must own and occupy the home and be unable to obtain affordable credit elsewhere.

Learn more and apply through your local USDA office.

2. HUD’s HOME Investment Partnerships Program

The U.S. Department of Housing and Urban Development (HUD) provides funding to states and local governments to create affordable housing solutions, including home repair grants.

  • Assistance may come in the form of direct grants, deferred loans, or forgivable loans.
  • Each city or county administers its program differently, so it's essential to check local HUD resources.

You can find local contacts through the HUD website.

3. Weatherization Assistance Program (WAP)

This program helps low-income households reduce their energy costs by improving home energy efficiency.

  • Services include insulation, window repair or replacement, heating system upgrades, and more.
  • Priority is given to seniors, families with children, and people with disabilities.

Each state runs its own weatherization program; applications typically go through a local community action agency.

State and Local Programs

In addition to federal programs, many states, counties, and cities offer their own forms of assistance. For example:

  • California’s CalHome Program provides grants and loans for rehabilitation and repair.
  • Texas Department of Housing and Community Affairs (TDHCA) offers Homeowner Assistance Programs.
  • New York’s RESTORE Program targets emergency repairs for seniors aged 60+.

It's worth checking your local government or housing authority’s website to discover available resources in your area.

Who Qualifies for Government Assistance?

Eligibility varies depending on the program, but common factors include:

  • Income Level: Most programs target low- to moderate-income households.
  • Home Ownership: You must typically own and occupy the home as your primary residence.
  • Location: Some programs are restricted to rural or specific urban areas.
  • Age or Disability: Seniors and people with disabilities often get priority.

Documentation such as proof of income, tax returns, homeownership papers, and repair estimates may be required when you apply.

Tips for Applying

Applying for home repair grants or loans can be competitive. Here are some tips to strengthen your application:

  1. Act Quickly: Some programs have limited funding and accept applications on a first-come, first-served basis.
  2. Be Thorough: Fill out all application forms carefully and submit all requested documentation.
  3. Get Estimates: Some programs require written estimates for the work to be done.
  4. Follow Up: Don’t be afraid to call or email to check the status of your application.

If you need help, nonprofit housing agencies and legal aid services often provide assistance in navigating the application process.

Beware of Scams

Unfortunately, where there’s money involved, scams follow. Legitimate government programs:

  • Will never charge you upfront for grant applications.
  • Will not ask for your Social Security number or banking information over the phone.
  • Are typically run through official government websites (.gov) or recognized community agencies.

Always verify any offer with your local housing authority or official government channels.

Final Thoughts

Home repairs can be overwhelming, but you don’t have to tackle them alone. Through government grants and assistance programs, thousands of Americans each year make essential repairs without falling into debt. Whether you’re fixing a leaking roof, upgrading insulation, or making your home more accessible, there's likely a program that can help you.

Take the time to explore your options, prepare your documents, and apply — a safer, more comfortable home could be just a few steps away.

Want more resources?
Visit usa.gov/housing-help or contact your local housing authority to start your journey toward affordable home repairs today! learn more