NC Housing Finance Agency, Urgent Repair Program (URP)

NC Housing Finance Agency (NCHFA), state program

Active Home Repair

About This Program

The NCHFA Urgent Repair Program provides deferred, forgivable loans of up to $15,000 for emergency home repairs to very low-income (≤50% AMI) owner-occupied households with special needs members, elderly, disabled, veterans, or children under 6 with lead hazards. Funds flow through local nonprofit partners including Rebuilding Together Greater Charlotte.

Maximum program award; most projects use full amount for emergency repairs.

Key Details

  • Income limit: 50% AMI (very low income)
  • Must have special-needs household member: elderly, disabled, veteran, or child under 6 with lead
  • Loan is deferred and forgiven, no repayment if conditions met
  • Delivered through local nonprofit partners such as Rebuilding Together Charlotte
  • Note: ESFRLP funds cannot be used in Charlotte, URP is the NCHFA option here

How to Apply

Visit Official Program Page Track this program

919-877-5627

Deadline: Administered through local nonprofits, contact NCHFA or local agency

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