* Housing and Urban Development (HUD) Community Development Block Grants (CDBG): CDBG grants are awarded to state and local governments to help them improve housing and community development. CDBG funds can be used for a variety of home repair projects, including:
* Making structural repairs to homes
* Replacing roofs
* Installing new heating and cooling systems
* Making energy-efficient improvements
* Installing ramps and other accessibility features
* U.S. Department of Agriculture (USDA) Rural Housing Repair Loans and Grants: These loans and grants are available to low-income homeowners in rural areas. The funds can be used for a variety of home repair projects, including:
* Making structural repairs to homes
* Replacing roofs
* Installing new heating and cooling systems
* Making energy-efficient improvements
* Installing ramps and other accessibility features
* Federal Emergency Management Agency (FEMA) Disaster Relief Assistance: FEMA offers grants to homeowners who have been affected by natural disasters. The grants can be used to repair or replace homes that have been damaged or destroyed by disasters, such as hurricanes, floods, or tornadoes.
State and local government grants
* Many state and local governments offer home repair grants to low-income homeowners. These grants are often funded through the Community Development Block Grant (CDBG) program. To find out about state and local home repair grants, contact your local housing authority or community development agency.
Nonprofit organizations
* A number of nonprofit organizations offer home repair grants to low-income homeowners. These organizations include Habitat for Humanity, the Salvation Army, and the American Red Cross. To find out about nonprofit home repair grants, contact your local chapter of these organizations.
Fundraising
* If you are unable to find a grant that meets your needs, you may be able to raise money for your home repairs through fundraising. You can hold a bake sale, car wash, or other fundraising event. You can also ask for donations from friends, family, and members of your community.
Credit cards
* If you have good credit, you may be able to use a credit card to pay for your home repairs. This is a good option if you need to make repairs right away and you do not have the cash on hand. However, be sure to compare interest rates before you apply for a credit card.
