NC Housing Finance Agency — Urgent Repair Program (URP)

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

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