🏠 1. Urgent Repair Program (URP)
Administered by the North Carolina Housing Finance Agency (NCHFA), the URP provides emergency home repairs for low-income homeowners who are elderly, have special needs, or are veterans. The program addresses critical issues such as leaking roofs, unsafe heating systems, and accessibility modifications.
Assistance Offered: Deferred, forgiven loans up to $15,000 (as of the 2025–2026 funding cycle).
Eligibility:
- Household income ≤ 50% of the area median income.
- Homeownership status and primary residence.
- Presence of special needs individuals (e.g., elderly, disabled, or children under 6 with elevated blood-lead levels).
Application Process: Applications are submitted through local government or nonprofit partners.
Contact: For assistance, homeowners can contact Gloria Moore at 919-981-2623 or via email at [email].
🏚️ 2. Renew NC Single-Family Housing Program (Post-Hurricane Helene)
The Renew NC program, funded through a Community Development Block Grant Disaster Recovery (CDBG-DR) from the U.S. Department of Housing and Urban Development (HUD), assists homeowners in western North Carolina whose properties were damaged or destroyed by Hurricane Helene.
- Assistance Offered: Home rehabilitation, reconstruction, replacement, or reimbursement.
- Eligibility:
- Homeownership at the time of Hurricane Helene (September 27, 2024).
- Primary residence status.
- Residence in one of the 28 affected counties or ZIP code 28214 in Mecklenburg County.
- Application Process: Applications are open to eligible homeowners.
- Contact: For more information, visit the Renew NC Single-Family Housing Program page: (commercerecovery.nc.gov)
🧰 3. Weatherization Assistance Program (WAP)
Administered by the North Carolina Department of Environmental Quality (DEQ), the WAP helps low-income residents improve energy efficiency and safety in their homes, which may include roof repairs as part of the weatherization process.
- Assistance Offered: Energy efficiency improvements, including insulation and HVAC repairs.
- Eligibility:
- Low-income households, with priority given to the elderly, disabled, families with children, high energy users, and those experiencing energy burdens.
- Application Process: Applications are submitted through local service providers.
- Contact: For more information, visit the DEQ's Weatherization Assistance Program page: (deq.nc.gov)
🏘️ 4. Community Housing Grants (CDBG)
The North Carolina Department of Commerce administers the Community Housing Grants program, which utilizes federal CDBG funds to support housing development and rehabilitation in communities statewide.
- Assistance Offered: Rehabilitation, acquisition, clearance, relocation, substantial rehabilitation, replacement housing, and emergency repairs.
- Eligibility:
- Non-entitlement municipalities and counties, excluding certain urban areas.
- Application Process: Local governments apply for funding on behalf of their communities.
- Contact: For more information, visit the Community Housing Grants page: (NC Commerce)
🛠️ 5. Essential Single-Family Rehabilitation Program (ESFR)
Also administered by the NCHFA, the ESFR provides funding for comprehensive home repairs, including roof replacements, to low-income homeowners.
- Assistance Offered: Comprehensive rehabilitation, including roof repairs.
- Eligibility:
- Low-income homeowners.
- Homes in need of substantial rehabilitation.
- Application Process: Applications are submitted through local government or nonprofit partners.
- Contact: For more information, visit the NCHFA's Essential Single-Family Rehabilitation Program page: (nchfa.com)
📌 Tips for Homeowners
- Documentation: Gather necessary documents such as proof of income, homeownership, and identification.
- Local Agencies: Contact local government offices or nonprofit organizations for guidance on the application process.
- Eligibility: Ensure you meet the specific eligibility criteria for each program.
- Deadlines: Be aware of application deadlines and funding cycles.
📞 Contact Information
- NCHFA: 919-877-5700
- Renew NC: 888-791-0207
- DEQ: 919-707-8600
- NC Department of Commerce: 919-814-4600