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Government home repair assistance programs

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


The federal government does not offer "free money" to individuals to repair or improve their homes. Websites and ads claiming to offer "free money from the government" are often scams.

Eligibility for home repair and improvement assistance programs

Eligibility requirements vary for each loan and assistance program. In general, it depends on:

  • Your income level
  • Your age
  • The type of property you own
  • Where your property is located

In addition, some home repair and improvement programs are for special groups, including:

  • Native Americans
  • Veterans and service members
  • Rural residents

Loans for home improvement

HUD home improvement loan programs can help with home repairs and modifications. HUD's programs are the most common type of government financial assistance for home improvements. Some programs are available nationwide, while others are only available at the state or county level.

HUD Title 1 property improvement loan program

The HUD Title 1 property improvement loan program offers loan amounts and repayment terms based on the type of property you have.

203(k) rehabilitation mortgage insurance program

Find out about the 203(k) rehabilitation mortgage insurance program. It lets homebuyers and homeowners borrow an extra $35,000 through their mortgage for home repairs and improvements.

Local government loan programs

For programs in your community, find your local or county government website and search for its housing department.

LAST UPDATED: July 10, 2024


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