Help with Home Repairs and Modifications

If you plan to repair or renovate your home, government programs may make it easier for you to afford those home improvements.

What help is available?
The most common type of financial help from the government for home repairs or modifications is through home improvement loans programs backed by the government. Some programs are available nationwide, while others are only available at the state or county level.

Find Loans and Other Incentives
Learn about the HUD Title 1 Property Improvement Loan program. Loan amount and repayment terms are limited based on the type of property.

Find out about the 203(k) Rehabilitation Mortgage Insurance Program. This type of mortgage covers the cost of purchasing or refinancing and rehabilitating a home that is at least a year old.

Contact your state Department of Housing and Urban Development (HUD) office or your local or county government housing department for programs in your community.

Find information about energy efficient modification loans or incentives in your state.
Review a list of FAQs about tax credits and rebates for Energy Star products and energy efficiency home improvements.

https://www.usa.gov/finding-home