About the program:
The Home Repair Program offered by Housing Assistance provides home repairs for people of low income in Henderson County. The program is administered by the Housing Assistance Corporation in partnership with other service providers. In 2016, Housing Assistance was able to serve 89 homeowners and make 282 repairs.
What types of repairs does the program offer?
The Housing Assistance's Home Repair Program will only make repairs that eliminate health and safety hazards. Cosmetic repairs are not eligible for the program. Examples of eligible repairs include, but are not limited to:
- Grab bars
- Leaking faucets
- Roof leaks
- Floor Repair
- Minor plumbing repairs
- Water heater replacement
- Steps and handrails
- Fall prevention modifications
Who makes the repairs?
The repairs are completed by a combination of Housing Assistance staff, volunteers, and paid subcontractors.
Who is eligible for home repairs?
You are eligible for the Home Repair Program if:
- You are a homeowner.
- You live in the home for which you are requesting repairs and own no other.
- The household gross annual income does not exceed 50% of the areas median income.
- You have no other source or means to pay for repairs.
- Veterans providing a DD Form 214.
Are there any costs?
There is no mandatory cost to the homeowner to participate in the Home Repair Program. However, if you are able to contribute funds to help pay for materials or labor, your voluntary contribution will be greatly appreciated. Your monetary contribution will help stretch the Home Repair Program dollars so more home can be repaired.
What documents are required?
In order to verify information for your application please bring the following documentation for each household member, if applicable:
- Proof of income from all sources:
- Benefits letter for SSI, SS, Pension
- 12 Months of wage history
- Child Support payments received
- Disability payments received
- Proof of home ownership, such as:
- Deed in your name
- Copy of the title in your name
- Current property tax bill in your name
- If you own a mobile home on a rental lot:
- You need a notarized letter from the lot owner giving permission to perform tasks that might impact their property, such as building a ramp. The letter also needs to state the location of septic or utility lines.
The Housing Assistance Corporation is an outside loan application packager for the USDA Single Family Housing Repair Loans and Grants. Also known as the Section 504 Home Repair program, this provides loans to very low income homeowners to repair, improve, or modernize their homes. Grants are available to elderly very low income homeowners to remove health and safety hazards.
How much money can I get?
- Maximum loan amount is $20,000.00
- Maximum grant amount is $7,500.00
- Loans and grants can be combined for up to $27,000.00 in assistance
- To be eligible for the grant, you must be 62 or older and cannot repay the repair loan
To qualify for the 504 Home Repair program, 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
- The home must be on permanent foundation
What are the terms of the loan and grant offered by the Section 504 Home Repair program?
- Loans can be repaid over 20 years with a fixed interest rate of 1 percent
- Full title service is required for loans of $7,500.00 or greater
- Grants have a lifetime limit of $7,500.00
- 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
How can I apply?
To receive more information about the home repair program through Housing Assistance or USDA , use the form to the right or contact us at (828) 692-4744. You can also download the form and bring it to our office during business hours. In order to qualify for the program, you must own a home, you must meet the income requirements, and the repairs requested must be a health or safety hazard.