Government home repair assistance programs

Government programs can make home repairs and renovations more affordable. Find out if you are eligible for home improvement loans and learn how to apply.

Important

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.

Who qualifies for home repair and improvement assistance

The Department of Housing and Urban Development (HUD) offers loan and assistance programs for home repairs and improvements. Eligibility requirements vary for each program. Your eligibility may depend on:

Your income level
Your age
The type of property you own and want to repair
Where your property is located

Some home repair and improvement programs are available for specific audiences, including:

Native Americans
Veterans and service members
Rural residents

Types of loans for home improvement

HUD home improvement loan programs can help with home repairs and improvements. Some programs are available nationwide, while others are only available at the state or county level.